AI Income Risk · Real Estate
Zuidwest-Friesland
ProofIndex score 56/100 (Moderate Risk) · medium confidence
ProofIndex score: 56/100 — Moderate Risk risk.
Scoring period 2026-Q2 · medium confidence in the underlying data
Zuidwest-Friesland (Netherlands) shows moderate exposure in ProofIndex’s scoring, with a ProofIndex score of 56/100 (Moderate Risk). The biggest contributor is employment vulnerability — how exposed local jobs are to AI automation, based on the area’s occupation mix.
Key risk drivers
- Employment Vulnerability — 78/100
- How exposed local jobs are to AI automation, based on the area’s occupation mix.
- Housing Leverage — 33/100
- How leveraged local mortgage borrowers are — loan-to-value, debt-to-income, and price-to-income.
- Income Concentration — 22/100
- How concentrated local income is in higher-paid, AI-exposed work.
- Resilience Factors — 4/100
- Local economic cushioning — savings, benefits, and job diversity that absorb an income shock.
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 — 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 Zuidwest-Friesland at risk from AI job losses?
Moderately — Zuidwest-Friesland sits mid-pack among the Netherlands markets ProofIndex tracks. It scores 56/100 (Moderate Risk) overall, and 78/100 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 Zuidwest-Friesland housing market to AI automation?
Zuidwest-Friesland scores 56/100 (Moderate 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 employment vulnerability at 78/100 — how exposed local jobs are to AI automation, based on the area’s occupation mix. Housing leverage — loan-to-value, debt-to-income, and price-to-income among local borrowers — scores 33/100. Local resilience — savings, benefits, and job diversity that absorb an income shock — scores 4/100 and pulls the composite down. Scores are normalized 0–100 within Netherlands, so this ranks Zuidwest-Friesland against other Netherlands markets rather than against markets abroad.
Why is Zuidwest-Friesland rated Moderate Risk?
Moderate Risk is the risk tier ProofIndex assigns to a composite score of 56/100. The composite weights employment vulnerability at 35%, income concentration at 25%, housing leverage at 25%, and subtracts local resilience at 15%. For Zuidwest-Friesland the risk pillars rank employment vulnerability 78/100, housing leverage 33/100, income concentration 22/100. Confidence in the underlying data for this area is medium.
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Other Netherlands markets
- Agglomeratie Haarlem — 94/100
- Het Gooi en Vechtstreek — 87/100
- Agglomeratie Leiden en Bollenstreek — 86/100
- Utrecht — 78/100
- Utrecht — 78/100
- Veluwe — 78/100