AI Income Risk · Real Estate

Semily

ProofIndex score 64/100 (High Risk) · medium confidence

ProofIndex score: 64/100 — High Risk risk.

Scoring period 2026-Q2 · medium data confidence

Semily (Czech Republic) ranks among the higher-risk markets covered by ProofIndex, with a ProofIndex score of 64/100 (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 — 94/100
How leveraged local mortgage borrowers are, based on loan-to-value, debt-to-income, and price-to-income.
Employment Vulnerability — 52/100
How exposed local jobs are to AI automation, based on the area’s occupation mix.
Income Concentration — 34/100
How concentrated local income is in higher-paid, AI-exposed work.
Resilience Factors — 9/100
Local economic buffers such as savings, benefits, and job diversity that can absorb an income shock.

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 — 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 Semily at risk from AI job losses?

Yes. Semily ranks among the higher-risk Czech Republic markets covered by ProofIndex. It scores 64/100 (High Risk) overall, and 52/100 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 Semily housing market to AI automation?

Semily scores 64/100 (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 94/100. This measures how leveraged local mortgage borrowers are, based on loan-to-value, debt-to-income, and price-to-income. Housing leverage scores 94/100, based on loan-to-value, debt-to-income, and price-to-income among local borrowers. Local resilience scores 9/100. Savings, benefits, and job diversity reduce the final score. Scores are normalized 0–100 within Czech Republic, so this compares Semily with other Czech Republic markets. It cannot be compared directly with markets abroad.

Why is Semily rated High Risk?

High Risk is the risk tier ProofIndex assigns to a composite score of 64/100. The composite weights employment vulnerability at 35%, income concentration at 25%, housing leverage at 25%, and subtracts local resilience at 15%. For Semily the risk pillars rank housing leverage 94/100, employment vulnerability 52/100, income concentration 34/100. Confidence in the underlying data for this area is medium.

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