AI Income Risk · Real Estate
Loimaa
ProofIndex score 62/100 (High Risk) · medium confidence
ProofIndex score: 62/100 — High Risk risk.
Scoring period 2026-Q2 · medium data confidence
Loimaa (Finland) ranks among the higher-risk markets covered by ProofIndex, with a ProofIndex score of 62/100 (High Risk). The biggest contributor is housing leverage. This measures how leveraged local mortgage borrowers are, based on loan-to-value, debt-to-income, and price-to-income.
Key risk drivers
- Housing Leverage — 78/100
- How leveraged local mortgage borrowers are, based on loan-to-value, debt-to-income, and price-to-income.
- Income Concentration — 74/100
- How concentrated local income is in higher-paid, AI-exposed work.
- Resilience Factors — 71/100
- Local economic buffers such as savings, benefits, and job diversity that can absorb an income shock.
- Employment Vulnerability — 57/100
- 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 — Statistics Finland + ProofIndex model
- Derived Finnish local estimate · Proxy · Seutukunta · vintage 2023-2025. Derived from official StatFin regional data because direct local series are incomplete.
- Income Concentration — Statistics Finland — StatFin
- Finnish income statistics · Official statistics · Seutukunta · vintage 2024. Direct income series at seutukunta level.
- Housing Leverage — Statistics Finland + ProofIndex model
- Derived Finnish local estimate · Derived · Seutukunta · vintage 2023-2025. Derived from official StatFin regional data because direct local series are incomplete.
- Rental Market Exposure — Statistics Finland + ProofIndex model
- Derived Finnish local estimate · Derived · Seutukunta · vintage 2023-2025. Derived from official StatFin regional data because direct local series are incomplete.
- Resilience Factors — Statistics Finland + ProofIndex model
- Derived Finnish local estimate · Derived · Seutukunta · vintage 2023-2025. Derived from official StatFin regional data because direct local series are incomplete.
Frequently asked questions
Is Loimaa at risk from AI job losses?
Yes. Loimaa ranks among the higher-risk Finland markets covered by ProofIndex. It scores 62/100 (High Risk) overall, and 57/100 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 Loimaa housing market to AI automation?
Loimaa scores 62/100 (High Risk) on ProofIndex, which blends how exposed local incomes are to AI with how leveraged the local housing market is. The largest contributor is housing leverage at 78/100. This measures how leveraged local mortgage borrowers are, based on loan-to-value, debt-to-income, and price-to-income. Housing leverage scores 78/100, based on loan-to-value, debt-to-income, and price-to-income among local borrowers. Local resilience scores 71/100. Savings, benefits, and job diversity reduce the final score. Scores are normalized 0–100 within Finland, so this compares Loimaa with other Finland markets. It cannot be compared directly with markets abroad.
Why is Loimaa rated High Risk?
High Risk is the risk tier ProofIndex assigns to a composite score of 62/100. The composite weights employment vulnerability at 35%, income concentration at 25%, housing leverage at 25%, and subtracts local resilience at 15%. For Loimaa the risk pillars rank housing leverage 78/100, income concentration 74/100, employment vulnerability 57/100. Confidence in the underlying data for this area is medium.
See the full Loimaa report
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