Stead whose wife is expecting their first child next month, told Michelle Wilson in an article for City's programme against Derby: "The baby will be born in Ipswich because we have got a house still there and I don't know what is going to happen next season.
"We'll live down there over May and June and some of July and see what happens.
"I think everything will depend on whether Ipswich make any changes in the summer and whether the manager is still there for next season.
"If he is, I will be moving I would have thought. I can't see him wanting to keep me if he has allowed me to go out on loan. I will have to gauge that at the end of the season. Once you go into pre-season, decisions will be made."