More Buyers Are Eyeing a Move in 2026. Here’s How to Prepare Now

The housing market may feel quiet, but momentum is starting to build beneath the surface.

According to new data from NerdWallet, more Americans are warming back up to the idea of buying a home. Last year, 15% of respondents said they planned to purchase within the next 12 months. This year, that number climbed to 17%.

A 2% increase might sound modest, but after several years of cooling buyer demand, it’s a meaningful signal. More people are beginning to feel financially and emotionally ready—or at least closer to ready—to make a move in 2026.

If buying a home is on your horizon, this is a smart moment to start planning. Not to rush into anything, but to put the right pieces in place so you’re ready when timing and opportunity align.

Planning a Move in Early 2026? Start With These 4 Steps

If you’re hoping to buy sooner rather than later, here’s where to focus first:

1. Get pre-approved A pre-approval helps you understand what you can afford and what your estimated payment might look like at today’s rates. Just keep in mind that most pre-approvals are valid for only 30 to 90 days, so this step makes the most sense once you’re getting serious.

2. Run the numbers Take a close look at your current expenses and map out a realistic monthly budget. Factor in not just a mortgage payment, but also insurance, taxes, and maintenance so there are no surprises later.

3. Define your non-negotiables Once the financial picture is clear, get specific about what you need in a home. Location, commute, school district, layout, and lifestyle priorities all matter. Knowing these upfront makes the search far less overwhelming.

4. Choose your agent early Interview agents, read reviews, and find someone you trust and connect with. A good agent doesn’t just open doors—they help you understand pricing, competition, and strategy long before you write an offer.

Buying Later in 2026? This Is Still Your Prep Window

Even if your purchase is months away, preparation now can make a big difference later. Buyers who feel confident when the time comes are usually the ones who quietly prepared ahead of time.

That doesn’t mean drastic changes. Small, consistent steps add up:

Strengthen your creditYour credit score can impact your loan options and interest rate. Paying down balances and staying current on payments can help improve your score over time.

Automate your savingsSetting up automatic transfers to a home savings account builds consistency and removes the temptation to spend that money elsewhere.

Leverage side incomePart-time work, freelance projects, or reviving a side hustle can give your savings a meaningful boost without long-term commitment.

Use unexpected money wiselyTax refunds, bonuses, or gifts can be powerful tools when directed toward your future home fund.

The common theme? Preparation creates options—and options create confidence.

If buying a home in 2026 is on your radar, start the conversation now. Not to pressure yourself into a decision, but to gain clarity, direction, and a plan that works for you.

Every successful move starts with preparation. And when you’re ready, having a trusted agent and lender by your side can make all the difference.