More Buyers Are Planning To Move in 2026 — Here’s How Bay Area Homeowners Can Get Ready

A fresh year means fresh opportunities — and for many Bay Area residents, 2026 might be the year to finally make a move.

According to new data from NerdWallet, more Americans are feeling confident about buying homes again. Last year, 15% of respondents said they planned to buy within 12 months. This year, that number jumped to 17%.

A 2% increase may sound small, but in a market that’s seen slower buyer activity in recent years, it’s a meaningful sign that confidence is returning. More people are stepping off the sidelines — and that momentum could shape the 2026 housing landscape.

If buying or upgrading your home is on your New Year’s goal list, now’s the perfect time to start preparing — especially here in the Bay Area, where timing and strategy matter.

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

If you’re eager to hit the ground running this year, focus on these key steps:

1. Get pre-approved early.

   Knowing your true buying power gives you confidence. A pre-approval shows what price range you can afford at current rates — and strengthens your position when you’re ready to make an offer. Just remember, most pre-approvals are valid for only 30–90 days.

   
   

2. Run the numbers realistically.

   Factor in everything — from current rent or mortgage payments to property taxes, insurance, and utilities. This clarity helps you budget smartly and prevents stretching beyond comfort.

   
   

3. Define your Bay Area non-negotiables.

   Think about what really matters: commute routes, school districts, walkability, or proximity to favorite neighborhoods like Willow Glen, Fremont, or Redwood City. Knowing your priorities early simplifies decision-making later.

   
   

4. Choose your real estate agent early.

   Don’t wait until you’re ready to write an offer. The right agent will help you understand local pricing trends, off-market opportunities, and the best times to buy in your target area.

   
   

🌱 Thinking About Buying Later in 2026? You Can Still Start Strong

Even if your timeline feels far off, the start of the year is an ideal window to quietly prepare. The buyers who feel the most confident later in the year are often those who laid the groundwork months earlier.

Here’s how to do that without major changes:

• Boost your credit score. Pay down balances, avoid new debt, and make on-time payments. A stronger score could earn you a better mortgage rate.

• Automate your savings. Set up a recurring transfer into your “house fund” so you build momentum effortlessly.

• Grow your income streams. Whether through a side hustle, freelance work, or overtime opportunities, small boosts now can make a big difference later.

• Save surprise money. Bonuses, tax refunds, or family gifts can fast-track your down payment.

Every small move today builds confidence — and flexibility — when it’s time to make the big move.

✨ Bottom Line

If buying a home in 2026 is on your radar, the best thing you can do this New Year is start planning now.

Whether you’re aiming for early spring or year-end, a smart, step-by-step plan can make all the difference in one of the country’s most competitive housing markets.

💬 Let’s start your 2026 home journey today. We’ll help you understand the numbers, the timing, and the local opportunities — so you’re ready when your perfect Bay Area home hits the market.

Insights originally shared by Keeping Current Matters. Local perspective and commentary by Yvonne Yang, Top Bay Area Realtor®.