After a slower stretch in the housing market, momentum is quietly starting to build. New data from NerdWallet shows more Americans are warming back up to the idea of buying a home.

Last year, 15% of respondents said they planned to purchase a home within the next 12 months. This year, that number climbed to 17%.  While a 2% increase may seem small, it’s meaningful in a market where buyer demand has been cooling for several years.  It signals a shift in confidence—and suggests more buyers are preparing to make a move in 2026.

If buying a home is on your radar this year (or early next), now is the time to start laying the groundwork.

 

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

If you’re eager to get the process started, here are the most important first moves to focus on:

1. Get Pre-Approved:  A mortgage pre-approval helps you understand your true buying power and what your monthly payment could look like at today’s interest rates. Keep in mind that most pre-approvals are only valid for 30–90 days, so this step makes the most sense when you’re ready to get serious.

2. Run the Numbers:  Take a close look at your current expenses and map out a realistic budget. Factor in your monthly mortgage payment, taxes, insurance, and other obligations so you know what feels comfortable—before you start touring homes.

3. Define Your Non-Negotiables:  Once the numbers make sense, clarify what matters most to you. Location, commute, layout, school districts, and lifestyle needs should all be part of the conversation. Getting clear now makes decision-making easier later.

4. Choose Your Agent Early:  The right agent does far more than show homes. They help you understand pricing, competition, timing, and strategy long before you write an offer. Take time to find an agent you trust and connect with.

 

Buying Later in 2026? This Is Still Your Window to Prepare

Even if your move feels like a “later this year” goal, preparation now can make a big difference. Buyers who feel the most confident when it’s time to act are usually the ones who planned ahead. 

Here are a few simple ways to get started:

  • Work on your credit to strengthen loan options and interest rates
  • Automate your savings to build consistency
  • Boost income through side work to grow your down payment
  • Put unexpected cash to work like tax refunds or bonuses

Small steps taken now can lead to smoother decisions later!

 

Bottom Line

If buying—or selling—a home in 2026 is on your radar, the best next step is starting the conversation now. Not to rush a decision, but to put a smart, flexible plan in place. If selling your current home is part of your move, contact Scott and the Smolen Team today!  They can help you evaluate your home, understand your market, and create a clear strategy to sell with confidence—so you’re ready when the timing is right.