Are You Planning To Move in 2026? Here’s How To Get Ready.
Momentum is quietly building in the housing market. Recent survey data from NerdWallet suggests more people are thinking seriously about purchasing a home. Last year, 15% of respondents said they planned to buy within the next year. That number has now climbed to 17%.
On the surface, a two point increase may not seem significant. But after several years of slower demand, even a modest shift signals growing confidence. More buyers are beginning to feel that owning a home in 2026 is realistic again.
If a move is on your radar, this is a smart time to start preparing. Not to rush the process, but to make sure you are positioned well when the moment is right.
Planning To Buy Early in 2026? Start Here.
If you are hoping to move sooner rather than later, these steps can help you build clarity and momentum.
- Get pre-approved. A pre approval helps you understand what price range makes sense and what your monthly payment could look like at current rates. Keep in mind that Experian notes most pre approvals are only valid for 30 to 90 days. This step works best when you are getting closer to actively shopping.
- Review your full budget. Look beyond just the mortgage payment. Factor in utilities, insurance, maintenance, and your existing expenses. This gives you a realistic picture and helps prevent stretching yourself too thin.
- Identify your non-negotiables. Once the numbers make sense, get clear on what matters most. Location, commute, layout, schools, and lifestyle needs should all be considered. Knowing your priorities early makes decisions easier later.
- Choose an agent before you tour homes. The right agent does more than unlock doors. They help you understand pricing, competition, and timing so you can move with confidence when the right home appears.
Buying Later in 2026? You Can Still Prepare Now.
Even if your move feels far off, early preparation pays off. Buyers who feel the least stressed later are usually the ones who took small steps ahead of time.
That doesn’t mean big financial commitments or major lifestyle changes. It just means setting yourself up so you’re ready when the timing is right. Here are a few low-stress ways to do that:
- Strengthen your credit. Your credit score influences loan options and interest rates. Paying down balances and making on time payments can improve your position over time.
- Automate your savings. Automatic transfers help you stay consistent without relying on willpower. Treat your home fund like a monthly bill you always pay.
- Add extra income when possible. Side gigs, freelance work, or part time projects can accelerate savings. Even temporary boosts can make a meaningful difference.
- Use unexpected money wisely. Tax refunds, bonuses, or gifts can give your savings a jump start. Putting that money toward your future home now can reduce pressure later.
The common thread here? The right prep work makes a difference.
Bottom Line
Preparation does not have to be overwhelming. It just has to be intentional. Small steps taken now can lead to smoother decisions later.
If buying a home in 2026 is something you are considering, this is a great time to start a conversation. Not to rush you, but to help you build a plan that fits your timeline.
When the right opportunity comes along, being prepared makes all the difference.
Vesta Schneider
Realtor®
Luxury Homes | Relocation | Investments
Keller Williams Realty McKinney
📞 302-530-7314
📧 vestaschneider@yahoo.com
