AI Income Risk · Real Estate
Liberecký kraj
ProofIndex score 60/100 (Moderate Risk) · medium confidence
ProofIndex score: 60/100 — Moderate Risk risk.
Scoring period 2026-Q2 · medium confidence in the underlying data
Liberecký kraj (Czech Republic) shows moderate exposure in ProofIndex’s scoring, with a ProofIndex score of 60/100 (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 — 76/100
- How leveraged local mortgage borrowers are — loan-to-value, debt-to-income, and price-to-income.
- Employment Vulnerability — 53/100
- How exposed local jobs are to AI automation, based on the area’s occupation mix.
- Income Concentration — 35/100
- 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 — ČSÚ — VŠPS
- Labour Force Survey occupation mix · Official statistics · Regional · vintage 2024. Occupation mix is direct at regional level; smaller districts may inherit and adjust regional structure.
- Income Concentration — ČSÚ — Czech Statistical Office
- Czech statistical indicators · Official statistics · Regional / district · vintage 2024-2025. Official regional data; some district-level housing inputs are modelled from available market and labor indicators.
- Housing Leverage — ČSÚ — Czech Statistical Office
- Czech statistical indicators · Official statistics · Regional / district · vintage 2024-2025. Official regional data; some district-level housing inputs are modelled from available market and labor indicators.
- Rental Market Exposure — ČSÚ — Czech Statistical Office
- Czech statistical indicators · Official statistics · Regional / district · vintage 2024-2025. Official regional data; some district-level housing inputs are modelled from available market and labor indicators.
- Resilience Factors — ČSÚ — Czech Statistical Office
- Czech statistical indicators · Official statistics · Regional / district · vintage 2024-2025. Official regional data; some district-level housing inputs are modelled from available market and labor indicators.
Frequently asked questions
Is Liberecký kraj at risk from AI job losses?
Moderately — Liberecký kraj sits mid-pack among the Czech Republic markets ProofIndex tracks. It scores 60/100 (Moderate Risk) overall, and 53/100 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 Liberecký kraj housing market to AI automation?
Liberecký kraj scores 60/100 (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 76/100 — 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 76/100. 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 Liberecký kraj against other Czech Republic markets rather than against markets abroad.
Why is Liberecký kraj rated Moderate Risk?
Moderate Risk is the risk tier ProofIndex assigns to a composite score of 60/100. The composite weights employment vulnerability at 35%, income concentration at 25%, housing leverage at 25%, and subtracts local resilience at 15%. For Liberecký kraj the risk pillars rank housing leverage 76/100, employment vulnerability 53/100, income concentration 35/100. 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