Momentum is slowly picking up in the housing market. According to new NerdWallet data, more Americans are starting to think about buying again. Last year, 15% said they planned to buy a home within the next year — and now that number has climbed to 17%.

A 2% uptick may seem small, but after years of cooling buyer demand, it suggests the market is beginning to move. More people are feeling ready — or at least closer to ready — to buy a home in 2026.

If buying a home is on your to-do list this year, consider this your nudge to reach out to a local agent and a trusted lender now so you can start laying the groundwork.

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

If you want to jump in now, here’s what to do first:

1. Get pre-approved. This helps you understand what you can actually afford and what your payment might look like at today’s rates. Just remember, most pre-approvals only last 30–90 days, so it’s best to do this when you’re ready to get serious.

2. Run the numbers. Take a close look at your monthly expenses and factor in what a mortgage payment would be. This way, you know your comfort zone ahead of time and avoid stretching yourself too thin.

3. Define your non-negotiables. Once the numbers make sense, think about what you truly need — location, commute, layout, schools, and lifestyle priorities. Getting clear on this early makes the home search a lot easier.

4. Choose your agent early. Read reviews, talk to a few agents, and find someone you trust and connect with. A great agent does more than open doors — they guide you on pricing, competition, timing, and strategy before you ever make an offer.

Thinking about Buying Later in the Year? This Is Still Your Window To Prepare

Even if you’re aiming to buy in late 2026, now still counts. The buyers who feel most confident when the time comes are usually the ones who started preparing quietly ahead of time.

That doesn’t require huge financial commitments or dramatic lifestyle overhauls. It’s about preparing so you’re ready when the time’s right. Here are some low-stress ways to get started:

1. Work on your credit. You don’t need perfect credit to buy a home, but your score does affect your loan terms and mortgage rate. Paying down debt and staying on top of your payments now can really pay off later.

2. Automate your savings. If saving requires constant reminders, it’s easy to skip. Setting up automatic transfers helps you stay consistent and keeps that money from getting spent elsewhere.

3. Lean into your side hustles. If you’ve got a side gig — or could pick one up — that extra income can make a big difference. Freelance work, part-time hours, or a small hustle can give your savings a solid boost.

4. Put unexpected cash to work. Whether it’s a tax refund, bonus, inheritance, or gift from family, funneling surprise money into your home fund now can move you closer to your goal faster.

They all boil down to one thing: doing the prep properly makes a real difference.

Bottom Line

If buying a home in 2026 is on your radar, let’s talk now — not to rush you, but to help you get ready for your moment.

Moving is easier when you start with a plan—whether you’re moving next year or down the road. If you want help making one that fits your timeline and goals, let’s talk.