AI Income Risk · Real Estate
Keski-Pohjanmaa
ProofIndex score 41/100 (Moderate Risk) · medium confidence
ProofIndex score: 41/100 — Moderate Risk risk.
Scoring period 2026-Q2 · medium confidence in the underlying data
Keski-Pohjanmaa (Finland) shows moderate exposure in ProofIndex’s scoring, with a ProofIndex score of 41/100 (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 — 44/100
- How leveraged local mortgage borrowers are — loan-to-value, debt-to-income, and price-to-income.
- Employment Vulnerability — 41/100
- How exposed local jobs are to AI automation, based on the area’s occupation mix.
- Resilience Factors — 9/100
- Local economic cushioning — savings, benefits, and job diversity that absorb an income shock.
- Income Concentration — 8/100
- How concentrated local income is in higher-paid, AI-exposed work.
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 — Statistics Finland — StatFin
- Finnish occupation register · Official statistics · Maakunta · vintage 2023. Direct occupation structure at maakunta level; seutukunta reports may inherit adjusted parent-region mix.
- Income Concentration — Statistics Finland — StatFin
- Finnish income statistics · Official statistics · Seutukunta · vintage 2024. Direct income series at seutukunta level.
- Housing Leverage — Statistics Finland — StatFin
- Finnish property prices · Official statistics · Municipality / seutukunta · vintage 2025. Municipality prices are aggregated to seutukunta where population-weighted coverage is sufficient; remaining areas use derived regional housing estimates.
- Rental Market Exposure — Statistics Finland — StatFin
- Finnish property prices · Official statistics · Municipality / seutukunta · vintage 2025. Municipality prices are aggregated to seutukunta where population-weighted coverage is sufficient; remaining areas use derived regional housing estimates.
- Resilience Factors — Statistics Finland
- Finnish official regional indicators · Official statistics · Maakunta / seutukunta · vintage 2024-2025. Official StatFin series; some seutukunta values use derived transformations where direct series are unavailable.
Frequently asked questions
Is Keski-Pohjanmaa at risk from AI job losses?
Moderately — Keski-Pohjanmaa sits mid-pack among the Finland markets ProofIndex tracks. It scores 41/100 (Moderate Risk) overall, and 41/100 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 Keski-Pohjanmaa housing market to AI automation?
Keski-Pohjanmaa scores 41/100 (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 44/100 — 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 44/100. 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 Finland, so this ranks Keski-Pohjanmaa against other Finland markets rather than against markets abroad.
Why is Keski-Pohjanmaa rated Moderate Risk?
Moderate Risk is the risk tier ProofIndex assigns to a composite score of 41/100. The composite weights employment vulnerability at 35%, income concentration at 25%, housing leverage at 25%, and subtracts local resilience at 15%. For Keski-Pohjanmaa the risk pillars rank housing leverage 44/100, employment vulnerability 41/100, income concentration 8/100. Confidence in the underlying data for this area is medium.
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