Anna is a small Collin County city on US 75 that is filling in fast with new construction. The question for buyers in late 2026 is not whether Anna is growing. The Census numbers settle that. The question is how to buy here without overpaying, and how to use today's builder competition in your favor.
Explore the full Anna city guide for neighborhoods, schools and current developments.
The 2026 Setup
- Population: the Census Bureau estimates Anna at 35,245 residents as of July 2025, up from a 2020 base of 17,137. That is roughly double in five years, and a 10.2% gain from 2024 to 2025 alone.
- Home values: Zillow's typical home value for Anna was about $337,500 in September 2026, down 6.7% from a year earlier and about 21% below the July 2022 peak.
- The gap to McKinney: McKinney's typical value was about $472,900 in the same month, roughly $135,000 higher. That spread is what pulls buyers north on 75.
- Supply: active listings across the Dallas-Fort Worth metro were about 36,800 in September 2026, roughly 14% more than in September 2024, so buyers have more choices than they did two years ago.
Where Buyers Are Looking
Each of these has its own builders, phase timing and HOA structure. Before you fall for a model home, ask for the HOA dues, any special district tax on the lot, and the current tax rate in writing. Those three numbers can move your monthly payment more than a few thousand dollars of price.
Realism
Anna is early. Restaurants and retail are still catching up to the rooftops, and for some errands you will drive south. That is the trade: a lower entry price in exchange for a town that is still being finished. If you need everything built out today, buy closer in and pay for it.
What Your Money Buys in Anna
- Around the typical value (about $337,500, Sept 2026): newer construction in a master-planned community, often with builder incentives on standing inventory.
- Above that: larger plans and premium lots in the same communities.
- The real lesson: with values down from the 2022 peak, compare a builder's base price against recent resales in the same subdivision. A two-year-old resale can sometimes beat a new build once you price in blinds, fencing, landscaping and window coverings.
The Rate Lever Most Buyers Skip
Freddie Mac's average 30-year fixed rate was 7.40% for the week of October 15, 2026, up from 6.27% a year earlier. At that rate, principal and interest on a $500K loan runs about $3,462 a month. A builder-funded 2-1 buydown sets the rate 2 points lower in year one and 1 point lower in year two, which works out to roughly $654 a month saved in year one and $334 a month in year two, about $11,900 in total. That is a cost a builder can pay for you, and it rarely shows up unless your agent asks for it in writing.
- Ask the builder's lender and an outside lender for a written quote on a temporary buydown and on a permanent buydown, then compare total cost over the years you expect to keep the loan.
- Qualify on the full note rate, not the year-one rate, so the payment in year three is one you already planned for.
- Put the incentive in the purchase contract, not in a sales office promise. I write it into every new construction offer in Anna.
Get the Anna Incentive Sheet
Rate buydowns, closing credits and design center dollars change often, and the builder's sales office represents the builder, not you. I track incentives and phase releases in Anna so my buyers know what to ask for before they walk in. Ask me for this month's Anna incentive sheet, or start with the Anna city guide, search homes or find out what your home is worth.
Prefer email? Reach me directly at albert@texava.com.
Albert Angarita, REALTOR, Texava Real Estate | Frisco and North Texas