AI Income Risk · Real Estate
Jablonec nad Nisou
ProofIndex score 48/100 (Moderate Risk) · medium confidence
ProofIndex score: 48/100 — Moderate Risk risk.
Scoring period 2026-Q2 · medium confidence in the underlying data
Jablonec nad Nisou (Czech Republic) shows moderate exposure in ProofIndex’s scoring, with a ProofIndex score of 48/100 (Moderate Risk). The biggest contributor is housing leverage — how leveraged local mortgage borrowers are — loan-to-value, debt-to-income, and price-to-income.
Key risk drivers
- Housing Leverage — 79/100
- How leveraged local mortgage borrowers are — loan-to-value, debt-to-income, and price-to-income.
- Employment Vulnerability — 27/100
- How exposed local jobs are to AI automation, based on the area’s occupation mix.
- Income Concentration — 19/100
- How concentrated local income is in higher-paid, AI-exposed work.
- Resilience Factors — 9/100
- Local economic cushioning — savings, benefits, and job diversity that absorb an income shock.
Where this score comes from
Every ProofIndex pillar is computed from published statistics. These are the sources behind this area's score, with the vintage of each and the limitation we know about it.
- Employment Vulnerability — MPSV — Ministry of Labour and Social Affairs
- Labour market portal indicators · Derived · District · vintage Apr 2026. Official labor-market signal; when used for occupation mix it acts as an adjustment factor rather than direct occupation data.
- Income Concentration — MPSV + ProofIndex model
- Derived labor-market adjustment · Derived · District · vintage Apr 2026. District values are derived from official labor-market tightness and unemployment rather than direct occupation microdata.
- Housing Leverage — MPSV + ProofIndex model
- Derived labor-market adjustment · Derived · District · vintage Apr 2026. District values are derived from official labor-market tightness and unemployment rather than direct occupation microdata.
- Rental Market Exposure — MPSV + ProofIndex model
- Derived labor-market adjustment · Derived · District · vintage Apr 2026. District values are derived from official labor-market tightness and unemployment rather than direct occupation microdata.
- Resilience Factors — MPSV + ProofIndex model
- Derived labor-market adjustment · Derived · District · vintage Apr 2026. District values are derived from official labor-market tightness and unemployment rather than direct occupation microdata.
Frequently asked questions
Is Jablonec nad Nisou at risk from AI job losses?
Moderately — Jablonec nad Nisou sits mid-pack among the Czech Republic markets ProofIndex tracks. It scores 48/100 (Moderate Risk) overall, and 27/100 on employment vulnerability — how much of the local occupation mix overlaps with work today’s 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 sits in work that AI is changing.
How exposed is the Jablonec nad Nisou housing market to AI automation?
Jablonec nad Nisou scores 48/100 (Moderate Risk) on ProofIndex, which blends how exposed local incomes are to AI with how leveraged the local housing market is. The largest single contributor is housing leverage at 79/100 — how leveraged local mortgage borrowers are — loan-to-value, debt-to-income, and price-to-income. Housing leverage — loan-to-value, debt-to-income, and price-to-income among local borrowers — scores 79/100. Local resilience — savings, benefits, and job diversity that absorb an income shock — scores 9/100 and pulls the composite down. Scores are normalized 0–100 within Czech Republic, so this ranks Jablonec nad Nisou against other Czech Republic markets rather than against markets abroad.
Why is Jablonec nad Nisou rated Moderate Risk?
Moderate Risk is the risk tier ProofIndex assigns to a composite score of 48/100. The composite weights employment vulnerability at 35%, income concentration at 25%, housing leverage at 25%, and subtracts local resilience at 15%. For Jablonec nad Nisou the risk pillars rank housing leverage 79/100, employment vulnerability 27/100, income concentration 19/100. Confidence in the underlying data for this area is medium.
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Other Czech Republic markets
- Hlavní město Praha — 86/100
- Praha-západ — 82/100
- Praha-východ — 81/100
- Brno-venkov — 80/100
- Brno-město — 78/100
- Jihomoravský kraj — 78/100