“The results of the permanent household survey conducted by the HCP show that, in the second quarter of 2026, the Household Confidence Index (HCI) declined compared with the previous quarter but improved relative to the same quarter of 2025,” the institution said in an information note.
In the second quarter of 2026, 78.3% of households said their standard of living had deteriorated over the previous 12 months, while 16.5% reported no change and 5.2% noted an improvement. The balance of opinion, which remains in negative territory, worsened to -73.1 points.
In the next 12 months, 51% of households expect living conditions to deteriorate, 39.7% anticipate no change, and 9.3% foresee an improvement. The corresponding balance of opinion also declined, reaching -41.7 points.
The HCP also noted that 57.2% of households expect unemployment to rise over the coming year, compared with 18.4% who anticipate a decline and 24.4% who expect it to remain unchanged. The balance of opinion for this indicator stood at -38.8 points.
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In addition, 65.3% of households believe that now is not a good time to purchase durable goods, while 14.7% take the opposite view. The balance of opinion remained negative at -50.6 points.
As for their current financial situation, 58.7% of households said their income covers their expenses, while 38.7% reported either going into debt or drawing on their savings. Only 2.6% said they were able to save part of their income. The balance of opinion stood at -36.1 points.
Regarding changes in their financial situation over the past 12 months, 43.8% of households said it had worsened, compared with 4.9% who reported an improvement. The balance of opinion remained negative at -38.9 points.
17.8% of households expect their financial situation to improve over the next year, 64.5% anticipate no change, and 17.7% foresee a deterioration. The balance of opinion for this indicator stood at 0.1 point.
The HCI is calculated on the basis of seven indicators, four related to the overall economic situation and three linked to households’ own circumstances. These indicators cover past changes in living standards, expectations for future living standards, unemployment prospects, the opportunity to purchase durable goods, households’ current financial situation, changes in their financial situation over the past year, and expectations for their financial situation in the coming year.
