I started noticing my receding hairline around the same age, and I ended up getting a hair transplant at 27. It was definitely a big decision, both financially and emotionally. The procedure itself was not too painful, but the recovery period was a bit uncomfortable for a few weeks.
In terms of results, I'm happy with how my hairline looks now, but it did take some time to fully see the effects. Overall, I would say it's never too early to consider a transplant if it's something that bothers you, but it's important to do your research and find a reputable surgeon. Just be prepared for the cost and recovery process.