AI Income Risk · Real Estate
Raahe
ProofIndex score 65/100 (High Risk) · medium confidence
ProofIndex score: 65/100 — High Risk risk.
Scoring period 2026-Q2 · medium data confidence
Raahe (Finland) ranks among the higher-risk markets covered by ProofIndex, with a ProofIndex score of 65/100 (High Risk). The biggest contributor is income concentration. This measures how concentrated local income is in higher-paid, AI-exposed work.
Key risk drivers
- Income Concentration — 86/100
- How concentrated local income is in higher-paid, AI-exposed work.
- Resilience Factors — 83/100
- Local economic buffers such as savings, benefits, and job diversity that can absorb an income shock.
- Employment Vulnerability — 73/100
- How exposed local jobs are to AI automation, based on the area’s occupation mix.
- Housing Leverage — 61/100
- How leveraged local mortgage borrowers are, based on loan-to-value, debt-to-income, and price-to-income.
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 Raahe at risk from AI job losses?
Yes. Raahe ranks among the higher-risk Finland markets covered by ProofIndex. It scores 65/100 (High Risk) overall, and 73/100 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 Raahe housing market to AI automation?
Raahe scores 65/100 (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 income concentration at 86/100. This measures how concentrated local income is in higher-paid, AI-exposed work. Housing leverage scores 61/100, based on loan-to-value, debt-to-income, and price-to-income among local borrowers. Local resilience scores 83/100. Savings, benefits, and job diversity reduce the final score. Scores are normalized 0–100 within Finland, so this compares Raahe with other Finland markets. It cannot be compared directly with markets abroad.
Why is Raahe rated High Risk?
High Risk is the risk tier ProofIndex assigns to a composite score of 65/100. The composite weights employment vulnerability at 35%, income concentration at 25%, housing leverage at 25%, and subtracts local resilience at 15%. For Raahe the risk pillars rank income concentration 86/100, employment vulnerability 73/100, housing leverage 61/100. Confidence in the underlying data for this area is medium.
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