More Buyers Are Planning To Move in 2026. Here’s How To Get Ready.

Momentum is quietly building in the housing market. According to new data from NerdWallet, more Americans are thinking about buying a home again.

• Last year, 15% planned to buy within 12 months

• This year, that number rose to 17%

A 2% increase may seem small, but after years of slowing buyer demand, it’s a meaningful sign. More people are starting to feel ready—or at least closer to ready—to buy a home in 2026.

If buying is on your goal list this year, now is a great time to start laying the groundwork with a local agent and a trusted lender.

Planning to Buy in Early 2026? Start Here

If you want to get ahead, focus on these four steps first:

1. Get Pre-Approved

Pre-approval shows how much you can afford and what your monthly payment might look like at today’s rates. Just remember—most pre-approvals are good for 30–90 days, so this step makes sense when you’re ready to get serious.

2. Run the Numbers

Take a close look at your monthly expenses. Factor in your current bills and what a mortgage payment would look like, so you don’t stretch your budget too far.

3. Know Your Non-Negotiables

Once the numbers work, decide what matters most to you:

• Location

• Commute

• Layout

• School district

• Lifestyle needs

This makes home decisions much easier later.

4. Choose Your Agent Early

Read reviews, talk to a few agents, and find someone you trust. A great agent helps with pricing, timing, competition, and strategy—long before you write an offer.

Buying Later in 2026? You Can Still Prepare Now

Even if buying feels far off, this is still your window to prepare. The most confident buyers later are usually the ones who planned early.

Here are a few low-stress ways to get ready:

• Work on your credit: You don’t need perfect credit, but improving your score can help you get better loan terms and rates.

• Automate your savings: Set up automatic transfers so saving becomes consistent and effortless.

• Boost your income: Side gigs, freelance work, or part-time jobs can help grow your home fund faster.

• Use unexpected money wisely: Tax refunds, bonuses, or cash gifts can go a long way when added to your savings.

The common theme? Preparation pays off.

Bottom Line

If buying a home in 2026 is on your radar, now is the time to start the conversation—not to rush, but to plan.

Every move is smoother when it starts with a clear strategy. And if you want help creating one that works for you, let’s connect.

Finding ways to make your credit score better could help you get a lower mortgage rate. When you’re ready to get the process started, let’s connect.