AI Income Risk · Real Estate
Gelderland
ProofIndex score 55/100 (Moderate Risk) · medium confidence
ProofIndex score: 55/100 — Moderate Risk risk.
Scoring period 2026-Q2 · medium data confidence
Gelderland (Netherlands) shows moderate exposure in ProofIndex’s scoring, with a ProofIndex score of 55/100 (Moderate Risk). The biggest contributor is income concentration. This measures how concentrated local income is in higher-paid, AI-exposed work.
Key risk drivers
- Resilience Factors — 84/100
- Local economic buffers such as savings, benefits, and job diversity that can absorb an income shock.
- Income Concentration — 65/100
- How concentrated local income is in higher-paid, AI-exposed work.
- Housing Leverage — 63/100
- How leveraged local mortgage borrowers are, based on loan-to-value, debt-to-income, and price-to-income.
- Employment Vulnerability — 59/100
- How exposed local jobs are to AI automation, based on the area’s occupation mix.
Where this score comes from
Every ProofIndex pillar uses published statistics. Review the sources behind this area's score, when each was released, and its known limitations.
- Employment Vulnerability — CBS — Statistics Netherlands
- Dutch occupation classification · Official statistics · Province · vintage 2024. Direct province-level occupation data; COROP areas may inherit adjusted province mix.
- Income Concentration — CBS — Statistics Netherlands
- Dutch official regional statistics · Official statistics · Province / COROP · vintage 2024-2025. Official national statistics; COROP-level values may combine direct series with derived regional ratios.
- Housing Leverage — CBS — Statistics Netherlands
- Dutch official regional statistics · Official statistics · Province / COROP · vintage 2024-2025. Official national statistics; COROP-level values may combine direct series with derived regional ratios.
- Rental Market Exposure — CBS — Statistics Netherlands
- Dutch official regional statistics · Official statistics · Province / COROP · vintage 2024-2025. Official national statistics; COROP-level values may combine direct series with derived regional ratios.
- Resilience Factors — CBS — Statistics Netherlands
- Dutch official regional statistics · Official statistics · Province / COROP · vintage 2024-2025. Official national statistics; COROP-level values may combine direct series with derived regional ratios.
Frequently asked questions
Is Gelderland at risk from AI job losses?
Gelderland has moderate exposure and sits near the middle of the covered Netherlands markets. It scores 55/100 (Moderate Risk) overall, and 59/100 on employment vulnerability, which measures how much local work overlaps with tasks AI can already do. ProofIndex measures how exposed local incomes are, not how many jobs will go: a higher score means more of the local wage base comes from work that AI is changing.
How exposed is the Gelderland housing market to AI automation?
Gelderland scores 55/100 (Moderate Risk) on ProofIndex, which blends how exposed local incomes are to AI with how leveraged the local housing market is. The largest contributor is income concentration at 65/100. This measures how concentrated local income is in higher-paid, AI-exposed work. Housing leverage scores 63/100, based on loan-to-value, debt-to-income, and price-to-income among local borrowers. Local resilience scores 84/100. Savings, benefits, and job diversity reduce the final score. Scores are normalized 0–100 within Netherlands, so this compares Gelderland with other Netherlands markets. It cannot be compared directly with markets abroad.
Why is Gelderland rated Moderate Risk?
Moderate Risk is the risk tier ProofIndex assigns to a composite score of 55/100. The composite weights employment vulnerability at 35%, income concentration at 25%, housing leverage at 25%, and subtracts local resilience at 15%. For Gelderland the risk pillars rank income concentration 65/100, housing leverage 63/100, employment vulnerability 59/100. Confidence in the underlying data for this area is medium.
See the full Gelderland report
Full pillar breakdowns, peer benchmarking, and data sources with confidence ratings.
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Other Netherlands markets
- Agglomeratie Haarlem — 94/100
- Het Gooi en Vechtstreek — 87/100
- Agglomeratie Leiden en Bollenstreek — 86/100
- Utrecht — 78/100
- Utrecht — 78/100
- Veluwe — 78/100