Casablanca – Morocco’s direct housing support program, launched in early 2024 to ease access to homeownership for middle- and low-income families, is gaining significant traction nationwide. Latest government figures show that 57,783 applicants have successfully completed the process to receive subsidies as of July 29, 2025, reflecting the growing demand for affordable and mid-range housing across the country.
According to the Ministry of Economy and Finance, the program has received 177,308 applications since its inception. Of these, 159,074 initial requests were approved, representing roughly 90 percent of all submissions—a high approval rate that underscores the program’s strong uptake and administrative efficiency.
Broad participation across demographics
The program targets both residents and members of the Moroccan diaspora, with notable participation from diverse social groups. Women account for 46 percent of the approved beneficiaries, a sign of increasing female participation in property ownership. Meanwhile, Moroccans living abroad represent 24 percent of those who have completed the process, highlighting the program’s role in encouraging investment from expatriates and strengthening ties with overseas communities.
Financial commitments and spending
Since the program’s launch, the government has disbursed $485 million in direct subsidies to beneficiaries. The support is divided into two main categories, reflecting Morocco’s housing market structure:
- Affordable homes priced at or below $30,900 were chosen by 21,955 beneficiaries, receiving a combined total of $226 million in subsidies.
- Mid-range homes priced between $30,900 and $72,200 attracted the largest share of applicants, with 35,828 beneficiaries receiving a total of $259 million.
The dominance of the mid-range category indicates that many Moroccans are seeking housing options that balance affordability with quality, particularly in urban centers where property prices have been rising steadily.
Regional breakdown
The program’s impact is particularly visible in Morocco’s major economic hubs. The Casablanca–Settat region leads the country with 20,343 beneficiaries, representing 35 percent of the national total. This is followed by Fès–Meknès, which accounts for 17,515 beneficiaries, or about 30 percent. Other regions have reported varying levels of participation, reflecting local housing market conditions. At the lower end, Dakhla–Oued Eddahab registered only three beneficiaries, illustrating the uneven geographic distribution of demand.
Expanding budget to match demand
To keep pace with rising interest, the government has steadily increased the program’s budget allocations. In its first year of operation, $289 million was spent, surpassing the initial allocation of $206 million for 2024. For 2025, the Ministry of Economy and Finance has earmarked $373 million, of which $203 million had already been disbursed by the end of July. This forward-looking budget strategy reflects expectations of stronger demand in the coming months, especially as new housing units launched in 2024 become available for sale.
Finance Minister Nadia Fettah emphasized that the government is prepared to “accompany the financing needs of the program” to ensure that all approved beneficiaries receive timely support. She noted that the strong interest in the program has justified these higher-than-expected allocations.
Boost to construction and economic growth
Beyond providing social support, the housing subsidy initiative has delivered a clear stimulus to Morocco’s construction sector. The government reports that cement sales rose 10 percent in the first half of 2025 compared with the same period in 2024, while the number of housing units that began construction in 2024 was 39 percent higher than in 2023. These indicators suggest that the program is driving a broader economic ripple effect, from the extraction of building materials to logistics, marketing, and property sales.
Analysts note that the program aligns with Morocco’s broader strategy to reduce housing shortages, support middle-class families, and promote domestic investment. By easing the financial burden of homeownership, it also contributes to long-term urban development goals and helps counter the pressures of rapid urbanization.
Outlook
With demand continuing to climb and new housing stock entering the market, the direct housing support program is expected to remain a key pillar of Morocco’s social and economic policy in the coming years. Government planners anticipate that more projects launched in 2024 will be ready for sale throughout 2025 and beyond, reinforcing the program’s dual role as both a social safety net and a driver of economic growth.
As Morocco works to balance affordability with urban expansion, the housing support program stands out as a model of targeted public investment—one that not only meets the immediate needs of homebuyers but also strengthens the foundations of the country’s real estate and construction markets.
