Even with mortgage rates expected to stay in the low-6% range, many households are preparing to move in 2026 because life events—not interest rates—are taking center stage.
Zonda notes that mobility is increasing because people need homes that fit their changing lives.
What’s Driving Moves in 2026
1. Marriage and Growing Families
Many households need more space—or a different layout—to accommodate life changes like having children or blending families.
2. Divorce or Separation
Household changes often create a need for two residences, increasing demand even in higher-rate environments.
3. Boomers Moving Closer to Family
As Boomers age, relocating to be nearer to adult children or grandchildren is becoming increasingly common.
4. Older Millennials Enter Peak Move-Up Years
Many millennials are hitting their late 30s and early 40s—prime years for upgrading to a larger home or moving to a better school district.
Why Mobility Helps the Whole Market
Increased mobility:
Boosts existing-home inventory
Creates more choices for buyers
Helps relieve pricing pressure
Supports new-home sales
Encourages builders to keep production steady
Life events help “unstick” the housing market, creating a healthier flow of listings and sales.
Bottom Line
Even with affordability challenges and higher mortgage rates, life events are pushing Americans to move again. For buyers, this means more opportunities, more listings, and a market that finally feels more accessible.
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