2026 is here, and more people than ever are ready to find their dream home! A nationwide survey of over 1,000 adults ages 18 to 65 found that 88% are very or somewhat likely to buy a home, even though higher prices and mortgage rates have slowed them down. In fact, 71% said they would have already bought a home if prices and rates were lower. ↗
Market forecasts also show some positive signs. Experts expect existing home sales to increase by about 3% in 2026. Home prices are expected to keep moving upward at a steady, sustainable pace of around 1% nationwide, while mortgage rates are projected to land in the low 6% range—bringing much-needed stability and predictability for buyers ready to make their move. ↗
With strong buyer interest and signs of a more balanced market, now is a great time to start preparing if you want to buy in 2026.
Planning to Buy a Home in 2026? Here’s How to Prepare Now
If you’re hoping to start your home search early this year, focus on these 4 key steps:
Get Pre-Qualified Early
Pre-qualification helps you understand how much home you can afford. It gives you a clearer picture of your budget and makes the buying process easier later on. Keep in mind that pre-qualifications usually last 30 to 90 days, so timing matters.
Review Your Budget and Finances
Take a close look at your monthly expenses. Estimate what your mortgage payment might be and include costs like utilities, property taxes, insurance, and home maintenance. Knowing your comfort zone will help you avoid financial stress later.
Choose the Right Real Estate Agent
A good agent can make a big difference. Look for someone you trust—an agent who knows the local market, communicates well, and can guide you through every step of the process. Look at their websites, read testimonials and reviews.
Think About the Future
Don’t just think about what you need today. Ask yourself how this home will work for you in the next few years. Are you planning to grow your family? Could your job or lifestyle change? Choosing a home with the future in mind can help you avoid regret later.
Important Steps That Help—No Matter When You Buy
Even if your purchase is still a year or more away, what you do now can set you up for success.
Build Strong Financial Habits
Review your spending and cut back where you can. Start saving consistently and set aside money for a down payment, closing costs, and emergencies. A solid financial foundation makes buying a home much less stressful.
Learn About Mortgage Options
Take time to understand your loan choices. Learn the difference between fixed-rate and adjustable-rate mortgages. Look into first-time buyer programs and down payment options. The more you know, the more confident you’ll feel when it’s time to choose a loan.
Create a Long-Term Plan
Buying a home is a big decision. Think about how long you plan to stay, possible career changes, and how the neighborhood may grow. Planning ahead helps ensure your home continues to fit your life over time.
Bottom Line: Preparation Puts You in Control
The housing market can feel uncertain, but preparation makes a big difference. Whether you plan to buy in early 2026 or later in the year, now is the time to get ready. Review your finances, learn your options, and think about your long-term goals.
When you’re ready to take the next step, let’s talk and make sure you’re on the right path toward homeownership.
