AI Income Risk · Real Estate
Mariehamns stad
ProofIndex score 77/100 (High Risk) · medium confidence
ProofIndex score: 77/100 — High Risk risk.
Scoring period 2026-Q2 · medium confidence in the underlying data
Mariehamns stad (Finland) ranks among the higher-risk markets ProofIndex tracks, with a ProofIndex score of 77/100 (High 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 — 95/100
- How leveraged local mortgage borrowers are — loan-to-value, debt-to-income, and price-to-income.
- Employment Vulnerability — 93/100
- How exposed local jobs are to AI automation, based on the area’s occupation mix.
- Resilience Factors — 76/100
- Local economic cushioning — savings, benefits, and job diversity that absorb an income shock.
- Income Concentration — 69/100
- 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 + 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 Mariehamns stad at risk from AI job losses?
Relative to other Finland markets, yes — Mariehamns stad ranks among the higher-risk markets ProofIndex tracks. It scores 77/100 (High Risk) overall, and 93/100 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 Mariehamns stad housing market to AI automation?
Mariehamns stad scores 77/100 (High 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 95/100 — 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 95/100. Local resilience — savings, benefits, and job diversity that absorb an income shock — scores 76/100 and pulls the composite down. Scores are normalized 0–100 within Finland, so this ranks Mariehamns stad against other Finland markets rather than against markets abroad.
Why is Mariehamns stad rated High Risk?
High Risk is the risk tier ProofIndex assigns to a composite score of 77/100. The composite weights employment vulnerability at 35%, income concentration at 25%, housing leverage at 25%, and subtracts local resilience at 15%. For Mariehamns stad the risk pillars rank housing leverage 95/100, employment vulnerability 93/100, income concentration 69/100. Confidence in the underlying data for this area is medium.
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