AI Income Risk · Real Estate

Ostrava-město

ProofIndex score 39/100 (Low Risk) · medium confidence

ProofIndex score: 39/100 — Low Risk risk.

Scoring period 2026-Q2 · medium confidence in the underlying data

Ostrava-město (Czech Republic) is relatively insulated in ProofIndex’s scoring, with a ProofIndex score of 39/100 (Low 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

Resilience Factors — 88/100
Local economic cushioning — savings, benefits, and job diversity that absorb an income shock.
Housing Leverage — 70/100
How leveraged local mortgage borrowers are — loan-to-value, debt-to-income, and price-to-income.
Employment Vulnerability — 39/100
How exposed local jobs are to AI automation, based on the area’s occupation mix.
Income Concentration — 24/100
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 — MPSV — Ministry of Labour and Social Affairs
Labour market portal indicators · Derived · District · vintage Apr 2026. Official labor-market signal; when used for occupation mix it acts as an adjustment factor rather than direct occupation data.
Income Concentration — MPSV + ProofIndex model
Derived labor-market adjustment · Derived · District · vintage Apr 2026. District values are derived from official labor-market tightness and unemployment rather than direct occupation microdata.
Housing Leverage — MPSV + ProofIndex model
Derived labor-market adjustment · Derived · District · vintage Apr 2026. District values are derived from official labor-market tightness and unemployment rather than direct occupation microdata.
Rental Market Exposure — MPSV + ProofIndex model
Derived labor-market adjustment · Derived · District · vintage Apr 2026. District values are derived from official labor-market tightness and unemployment rather than direct occupation microdata.
Resilience Factors — MPSV + ProofIndex model
Derived labor-market adjustment · Derived · District · vintage Apr 2026. District values are derived from official labor-market tightness and unemployment rather than direct occupation microdata.

Frequently asked questions

Is Ostrava-město at risk from AI job losses?

Less than most — Ostrava-město is relatively insulated among the Czech Republic markets ProofIndex tracks. It scores 39/100 (Low Risk) overall, and 39/100 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 Ostrava-město housing market to AI automation?

Ostrava-město scores 39/100 (Low 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 70/100 — 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 70/100. Local resilience — savings, benefits, and job diversity that absorb an income shock — scores 88/100 and pulls the composite down. Scores are normalized 0–100 within Czech Republic, so this ranks Ostrava-město against other Czech Republic markets rather than against markets abroad.

Why is Ostrava-město rated Low Risk?

Low Risk is the risk tier ProofIndex assigns to a composite score of 39/100. The composite weights employment vulnerability at 35%, income concentration at 25%, housing leverage at 25%, and subtracts local resilience at 15%. For Ostrava-město the risk pillars rank housing leverage 70/100, employment vulnerability 39/100, income concentration 24/100. Confidence in the underlying data for this area is medium.

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