AI Income Risk · Real Estate

Noord-Friesland

ProofIndex score 21/100 (Low Risk) · medium confidence

ProofIndex score: 21/100 — Low Risk risk.

Scoring period 2026-Q2 · medium data confidence

Noord-Friesland (Netherlands) is relatively insulated in ProofIndex’s scoring, with a ProofIndex score of 21/100 (Low 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

Resilience Factors — 24/100
Local economic buffers such as savings, benefits, and job diversity that can absorb an income shock.
Housing Leverage — 14/100
How leveraged local mortgage borrowers are, based on loan-to-value, debt-to-income, and price-to-income.
Employment Vulnerability — 12/100
How exposed local jobs are to AI automation, based on the area’s occupation mix.
Income Concentration — 8/100
How concentrated local income is in higher-paid, AI-exposed work.

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 — CBS + ProofIndex model
Derived Dutch sub-regional proxy · Proxy · COROP · vintage 2024-2025. Derived from province-level official data and local adjustment factors.
Income Concentration — CBS + ProofIndex model
Dutch COROP estimates · Derived · COROP · vintage 2024-2025. Uses official CBS series with ProofIndex transformations where direct COROP indicators are incomplete.
Housing Leverage — CBS + ProofIndex model
Dutch COROP estimates · Derived · COROP · vintage 2024-2025. Uses official CBS series with ProofIndex transformations where direct COROP indicators are incomplete.
Rental Market Exposure — CBS + ProofIndex model
Dutch COROP estimates · Derived · COROP · vintage 2024-2025. Uses official CBS series with ProofIndex transformations where direct COROP indicators are incomplete.
Resilience Factors — CBS + ProofIndex model
Dutch COROP estimates · Derived · COROP · vintage 2024-2025. Uses official CBS series with ProofIndex transformations where direct COROP indicators are incomplete.

Frequently asked questions

Is Noord-Friesland at risk from AI job losses?

Noord-Friesland has less exposure than most covered Netherlands markets. It scores 21/100 (Low Risk) overall, and 12/100 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 Noord-Friesland housing market to AI automation?

Noord-Friesland scores 21/100 (Low 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 14/100. This measures how leveraged local mortgage borrowers are, based on loan-to-value, debt-to-income, and price-to-income. Housing leverage scores 14/100, based on loan-to-value, debt-to-income, and price-to-income among local borrowers. Local resilience scores 24/100. Savings, benefits, and job diversity reduce the final score. Scores are normalized 0–100 within Netherlands, so this compares Noord-Friesland with other Netherlands markets. It cannot be compared directly with markets abroad.

Why is Noord-Friesland rated Low Risk?

Low Risk is the risk tier ProofIndex assigns to a composite score of 21/100. The composite weights employment vulnerability at 35%, income concentration at 25%, housing leverage at 25%, and subtracts local resilience at 15%. For Noord-Friesland the risk pillars rank housing leverage 14/100, employment vulnerability 12/100, income concentration 8/100. Confidence in the underlying data for this area is medium.

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