More Buyers Are Planning to Move in 2026 — Here’s How to Prepare

Momentum is beginning to build in the housing market. New research from NerdWallet shows that more Americans are starting to consider homeownership again. Last year, 15% of respondents said they planned to buy a home within the next 12 months. This year, that number increased to 17%.

While a 2% jump may seem modest, in a market where buyer demand has been subdued for several years, it signals a meaningful shift. More people are feeling prepared—or at least closer to being prepared—to make a move and purchase a home in 2026.

If buying a home is on your goal list this year, take this as a gentle nudge to connect with a local real estate agent and a trusted lender. Starting the conversation early can make all the difference.

Planning to Move in Early 2026? Start with These 4 Steps

If you’re ready to begin laying the groundwork, here’s where to focus first:

1. Get pre-approved.
A pre-approval helps you understand your true buying power and what your monthly payment could look like at today’s interest rates. Just remember, Experian notes that most pre-approvals are valid for only 30–90 days, so timing matters.

2. Run the numbers.
Take a close look at your current expenses and determine what fits comfortably within your budget. Factor in existing bills and a potential mortgage payment so you can move forward with confidence, not guesswork.

3. Identify your non-negotiables.
Once you know the numbers work, get clear on your must-haves. Think location, commute, home layout, school districts, and lifestyle needs. Clarity now makes decision-making easier later.

4. Choose your agent early.
Read reviews, interview a few agents, and find someone you trust and connect with. A great agent does more than show homes—they help you understand pricing, competition, timing, and strategy long before you write an offer.

Thinking About Buying Later in the Year? Now Is Still the Time to Prepare

Even if purchasing feels like a late-2026 goal, preparing now puts you in a stronger position later. Buyers who feel the most confident are often the ones who quietly took steps early.

Preparation doesn’t have to be overwhelming. Small, intentional moves can go a long way:

• Improve your credit. Your credit score plays a role in your loan options and mortgage rate. Paying down debt and making on-time payments can help strengthen your profile.

• Automate your savings. Setting up automatic transfers to a home fund creates consistency and removes the temptation to spend elsewhere.

• Lean into side income. Part-time work, freelance projects, or side hustles can help accelerate your savings.

• Use windfalls wisely. Tax refunds, bonuses, or cash gifts can give your home fund a meaningful boost if you set them aside.

The common theme? Preparation matters.

Bottom Line

If buying a home in 2026 is on your radar, start the conversation now—not to rush the process, but to give yourself clarity and options.

Every successful move starts with a plan. And when you’re ready to create one that fits your goals, connecting with a knowledgeable agent and a trusted lender is a smart first step.

Amy Hazen | Powerhouse Real Estate Group