Momentum is quietly building in the housing market, and the shift is beginning to show even here along the Southern Rhode Island and Eastern Connecticut coastline. New data from NerdWallet indicates that more Americans are once again considering a home purchase. Last year, 15% of respondents said they planned to buy a home within 12 months. This year, that number rose to 17%.

A two-percent increase may seem modest, but in a market that has seen buyer hesitation over the past few years, it’s a meaningful signal. More households are starting to feel confident enough to plan a move in 2026 - and that includes buyers looking closely at Westerly RI real estate, Charlestown RI real estate, and Stonington CT real estate, where lifestyle-driven demand remains strong.

If purchasing a home in 2026 is on your radar, this is the ideal time to start preparing - well before competition increases.

Planning to Move in Early 2026? Start With These Four Steps

If you’re hoping to buy earlier in the year, laying the groundwork now can make the entire process smoother.

Get pre-approved.
A mortgage pre-approval helps you understand your true buying power and potential monthly payments. Just keep in mind, Experian notes that most pre-approvals are valid for only 30 - 90 days, so timing matters.

Run the numbers.
Review your current expenses and determine a realistic monthly housing budget. Buyers in coastal markets like Westerly, Charlestown, and Stonington benefit from entering the process with clarity and flexibility.

Define your non-negotiables.
Location, proximity to the water, neighborhood character, school districts, and lifestyle amenities all matter. Being clear about what you must have - and where you’re willing to compromise - will save time later.

Choose your agent early.
The right agent does far more than open doors. A knowledgeable local advisor helps you understand pricing trends, neighborhood nuances, and competitive dynamics before you ever submit an offer.

Thinking About Buying Later in 2026? This Is Still Your Window to Prepare

Even if your timeline is further out, preparation now pays dividends later.

• Work on strengthening your credit profile

• Automate savings earmarked for a purchase

• Explore additional income streams or side work

• Direct unexpected funds toward your housing goals

The common thread is simple: buyers who plan ahead feel more confident - and often make better decisions - when the right opportunity appears.

Bottom Line

If buying a home in 2026 is something you’re considering, whether in Westerly RI, Charlestown RI, or Stonington CT, now is the time to begin the conversation. Not to rush a decision - but to build a thoughtful, informed plan.

Every successful move starts with preparation. And if you’d like guidance tailored to your goals, the local market, or specific neighborhoods, contact Geb Masterson anytime. I’m always happy to help you think through your options and prepare for what’s ahead.

The information contained, and the opinions expressed, in this article are not intended to be construed as investment advice. Geb Masterson does not guarantee or warrant the accuracy or completeness of the information or opinions contained herein. Nothing herein should be construed as investment advice. You should always conduct your own research and due diligence and obtain professional advice before making any investment decision. Geb Masterson will not be liable for any loss or damage caused by your reliance on the information or opinions contained herein.