3 min read
You may be telling yourself you’re going to wait to move – maybe you’re hoping mortgage rates will come down, prices will fall, or the market will feel a little easier.
And honestly? A lot of people feel that way right now. But here’s what some may be starting to realize.
For some people, waiting may not fix the thing that made you want to move in the first place. Examples may include:
Your family still may need more room. Your empty nest still feels too...empty.
Your parents or grandparents still need you to live closer.
You just got married... or divorced.
Your vision of retirement has you living somewhere else.
Eventually, life can reach a point where waiting feels harder than moving.
These are some of the reasons people may still be deciding to buy right now, even in today’s market. Not because conditions are perfect. But because the life changes behind their move never really went away.
And maybe that’s exactly where you are too. If so, you’re certainly not alone.
The Real Reasons People Move
According to the National Association of Realtors (NAR) shows 1 in 5 buyers last year said they felt like they had to purchase a home at that time, no matter the market.
That's an important reminder right now. Sure, the dollars and cents of your move have to make sense for you. But big life changes could happen whether mortgage rates and home prices are high, low, or somewhere in between.
And those big life events happen more than you may think. NAR says roughly 22.5 million people experience major life changes in a typical two-year span (see graph below):
Source: NAR, Highlights from the Profiles of Homebuyers and Sellers, April 2026
These are exactly the kinds of things that can change how much space you need, where you want to live, or what kind of lifestyle makes sense now. Chen Zhao, Head of Economics Research at Redfin, explains:
“Life doesn’t stand still—people get new jobs, grow their families, downsize after retirement, or simply want to live in a different neighborhood.”
And that’s what makes waiting so hard. Every month you spend hoping the market changes is another month living in a house that no longer works for your life. It’s stressful to feel stuck. And that feeling usually doesn’t disappear.
There May Be More Opportunity Than You Think
But while affordability is still a challenge, there may still be a way for you to make your move.
The number of homes for sale has been growing for 4 straight years (see graph below). Increase in inventory may provide buyers with more housing options and, depending on local market conditions, greater negotiation flexibility.
Source: Realtor. com, Residential Real Estate Data Library, May 2026
That doesn’t mean moving is suddenly easy. But it could mean some buyers are finding ways to make a move work. So, if you’ve been putting your plans on hold, maybe the question isn’t just:
“What’s the market doing?” or “When will it get better?”
Maybe ask yourself this, too: “Can I still live where I'm at right now and make it work?”
If the answer to that second question is “no,” it may be worth having a conversation about what your options look like today – despite where rates or prices are. You could find your move may still be possible after all. With more homes for sale, there may be a better chance to find one that fits your life (and your budget) right now.
Bottom Line
Life changes. Priorities shift. Families grow. Kids move out. Careers evolve. And eventually, the house you’re in may stop fitting the life you’re living.
If that’s been weighing on you lately, connect with a First Federal Bank Loan Officer about what your options could realistically look like today, no matter where rates or prices are.