AI Income Risk · Real Estate

Sherman-Denison, TX

ProofIndex score 29/100 (Low Risk) · medium confidence

ProofIndex score: 29/100 — Low Risk risk.

Scoring period 2026-Q2 · medium data confidence

Sherman-Denison, TX (United States) is relatively insulated in ProofIndex’s scoring, with a ProofIndex score of 29/100 (Low Risk). The biggest contributor is income concentration. This measures how concentrated local income is in higher-paid, AI-exposed work.

Key risk drivers

Resilience Factors — 38/100
Local economic buffers such as savings, benefits, and job diversity that can absorb an income shock.
Income Concentration — 33/100
How concentrated local income is in higher-paid, AI-exposed work.
Employment Vulnerability — 24/100
How exposed local jobs are to AI automation, based on the area’s occupation mix.
Housing Leverage — 12/100
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.

Modeled EVI limitation: US Employment Vulnerability (EVI) is modeled, not directly measured. It is inferred from ACS sector and education patterns rather than direct BLS OEWS occupation employment. Because EVI contributes 35% of the score, treat this component as directional.

Employment Vulnerability — US Census Bureau + ProofIndex model
Derived ACS MSA occupation proxy · Proxy · MSA · vintage 2020-2024 ACS 5-year. MSA occupation exposure is inferred from local education and parent-state sector mix.
Income Concentration — US Census Bureau — ACS 5-year
ACS MSA indicators · Official statistics · MSA · vintage 2020-2024 ACS 5-year. Official survey data at metro level; occupation exposure still uses derived sector/education mapping.
Housing Leverage — Zillow Research
Zillow metro home value index · Market data · MSA · vintage May 2026 file release. Market data series for metro home values; some credit and rent inputs are modelled.
Rental Market Exposure — Zillow Research
Zillow metro home value index · Market data · MSA · vintage May 2026 file release. Market data series for metro home values; some credit and rent inputs are modelled.
Resilience Factors — US Department of Labor ETA + ProofIndex model
US metro resilience estimate · Derived · MSA · vintage 2026. Derived from state-level safety-net parameters and metro labor-market characteristics.

Frequently asked questions

Is Sherman-Denison, TX at risk from AI job losses?

Sherman-Denison, TX has less exposure than most covered United States markets. It scores 29/100 (Low Risk) overall, and 24/100 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 Sherman-Denison, TX housing market to AI automation?

Sherman-Denison, TX scores 29/100 (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 income concentration at 33/100. This measures how concentrated local income is in higher-paid, AI-exposed work. Housing leverage scores 12/100, based on loan-to-value, debt-to-income, and price-to-income among local borrowers. Local resilience scores 38/100. Savings, benefits, and job diversity reduce the final score. Scores are normalized 0–100 within United States, so this compares Sherman-Denison, TX with other United States markets. It cannot be compared directly with markets abroad.

Why is Sherman-Denison, TX rated Low Risk?

Low Risk is the risk tier ProofIndex assigns to a composite score of 29/100. The composite weights employment vulnerability at 35%, income concentration at 25%, housing leverage at 25%, and subtracts local resilience at 15%. For Sherman-Denison, TX the risk pillars rank income concentration 33/100, employment vulnerability 24/100, housing leverage 12/100. Confidence in the underlying data for this area is medium.

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