Your 2026 Home Plan Starts Earlier Than You Think

Chrissy Peterson
Jan 8
2 min read

Here’s How To Get Ready (Without the Stress)

Momentum is quietly building in the housing market—and it’s happening sooner than many people expected.

According to new data from NerdWallet, more Americans are beginning to seriously think about buying a home again. Last year, 15% of respondents said they planned to purchase a home within 12 months. This year, that number climbed to 17%.

A 2% increase might seem small, but in a market that’s been cooling for a while, it’s a meaningful signal. Confidence is returning. Buyers are starting to feel hopeful, prepared, and ready to plan ahead for a move in 2026.

If buying a home is on your vision board—even loosely—this is your gentle nudge to start laying the groundwork now. Not to rush anything. Just to prepare wisely.

Planning To Move in Early 2026? Start With These 4 Smart Steps

If you’re motivated to get ahead, here’s where I recommend starting:

1. Get pre-approved (when the timing is right)

A pre-approval helps you understand what you can comfortably afford and what your monthly payment may look like at today’s rates. Just remember—most pre-approvals are valid for 30–90 days, according to Experian. This step makes the most sense when you’re getting closer to home shopping.

2. Run the numbers honestly

Take a clear look at your monthly expenses and future housing costs. The goal isn’t to stretch—it’s to stay comfortable and confident long-term.

3. Define your non-negotiables

Once the numbers make sense, get clear on what matters most: location, commute, layout, school district, lifestyle needs, and future plans. Clarity now saves stress later.

4. Choose your agent early

The right agent does far more than unlock doors. They help you understand pricing, timing, competition, and strategy before you ever write an offer. Interview a few. Read reviews. Trust your gut.

Buying Later in 2026? This Is Still Your Season To Prepare

If your move feels further out, you’re not behind. In fact, the buyers who feel the most at peace later are usually the ones who prepared quietly early on.

Here are a few low-pressure ways to set yourself up well:

Work on your credit. You don’t need perfect credit to buy, but improving your score can help with loan terms and interest rates. Paying down balances and staying consistent goes a long way.
Automate your savings. Automatic transfers remove the guesswork and help build momentum without relying on willpower.
Lean into side income. Whether it’s a part-time gig, freelancing, or something you’ve done before—extra income can give your savings a meaningful boost.
Use unexpected money wisely. Tax refunds, bonuses, or cash gifts can quietly move the needle when added to your home fund.

The common thread? Preparation creates peace.

Bottom Line

If buying a home in 2026 is on your radar, let’s start the conversation now. Not to rush decisions—but to make sure you’re informed, prepared, and confident when your moment comes.

Every smooth move starts with a plan. And I’d be honored to help you create one that fits your timeline, your goals, and your life.

Let’s chat when you’re ready 🤍You don’t have to navigate this alone.#mnrealtor #minnesotarealtor #mnrealty #mnrealestate #ChrissyJHomes