Momentum is quietly building in the housing market. New data from NerdWallet shows more Americans are starting to think about buying a home again.
Last year, 15% of respondents said they planned to buy a home within 12 months. This year, that number rose to 17%. While a 2% increase may seem small, it’s a meaningful shift in a market where buyer demand has been cooling. More people are feeling financially and emotionally ready to buy, especially with 2026 in mind.
If buying a home is on your goal list, now is the time to start laying the groundwork.
Planning to Buy in Early 2026? Start Here
1. Get pre-approved.
A pre-approval helps you understand your true buying power and estimated monthly payment. Just note that, according to Experian, most pre-approvals are valid for only 30–90 days, so timing matters.
2. Run the numbers.
Review your current expenses and determine what monthly payment feels comfortable, not just what a lender approves.
3. Define your non-negotiables.
Location, commute, layout, school districts, and lifestyle needs should be clear before you start touring homes.
4. Choose your agent early.
The right agent helps you understand pricing, competition, and strategy long before you write an offer.
Buying Later in 2026? Preparation Still Pays Off
Even if your move is months away, early preparation makes the process smoother:
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Improve your credit score
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Automate savings for your down payment
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Use side income or bonuses to boost your home fund
Bottom Line
If buying a home in 2026 is on your radar, start the conversation now not to rush, but to plan wisely. The most confident buyers are the ones who prepared early.
When you’re ready, connect with a trusted local agent and lender to build a strategy that works for you.
