Complete Fee Schedule — how every line is derived
Every
line item.
One flat fee per square foot. Every category its own escrow, every rate formula-derived — never negotiated.
One square mile. One fee.
Less infrastructure to build per resident, less to maintain over time — funded by a single fee you can actually predict, for the length of your term.
[Image: fee ledger — clean rows, each category visible, immutable ledger seal]
One all-in rate
Municipal services + Tea Leaves + Samara Air. Years 1–7. Scales with median income.
No property taxes
No municipal slush fund. Every dollar lands in a named escrow no human can redirect.
Indexed to sqft
Your fee cannot rise when the town becomes desirable. It is tied to size, not value.
Locked at signing
Your Ladder Fee is set at the state median HHI at signing. It does not change.
One escrow per line
Healthcare money can only pay healthcare. Education cannot be raided for governance.
Real-time on the ledger
Every dollar collected, allocated, and spent is on immutable ledger — visible now, not quarterly.
The Invoice
Everything, on one schedule you already know.
Housing, transportation, utilities, healthcare, childcare and education — URBAL bundles what's usually six or more separate bills into one.
What it replaces
Arrives once, on a schedule you already know
Your monthly fee.
Every category below, one named line, one escrow — locked at signing, for the length of your term.
Side by side
Six things that decide whether housing is a home or a treadmill.
Renting and owning each solve some of these. Stewardship holds all six.
| Core value | Renting | Homeownership | URBAL stewardship |
|---|---|---|---|
| Legal architecture | A private or corporate landlord extracts the profit. | Fee-simple deed, exposed to tax hikes and market crashes. | Land in a Community Land Trust, buildings under a Cooperative Covenant. Never bought or sold. |
| Interior control | No control, landlord friction, deposits lost over minor changes. | Full control — and 100% of the cost and repair risk is yours. | Renovate freely. Up to 80% of approved interior work reimbursed over eight years. |
| Financial health | Every rent payment vanishes to an outside landlord. | Wealth trapped in static walls, vulnerable to tax spikes. | Liquid capital in your Steward Sub-Account, not locked in the walls. |
| Fairness & access | Rent rises arbitrarily. No long-term security. | Speculators outbid families and price the market away. | Pledger-only. Money alone cannot buy entry. |
| Community value | Commercial growth enriches the landlord, not you. | Commercial growth raises your property taxes. | Commercial fees and bank yields flow into the town fund instead. |
| Mobility | Moving returns nothing. | Moving drains wealth through agent fees and closing costs. | Move or upgrade without losing capital. The Ladder Fee keeps every future town open to you. |
URB Type
Bedrooms
Full fee schedule · Courtyard URB · 2BR · 1,300 sqft
Formula-derived, not negotiated. Locked at signing. PILOT (Year 8+) and the business fulfilment fee sit outside this schedule.
Not a service fee — your own money, for your own account. Excluded from the expense total below.
Staffing-cost-derived: 4 physicians per 1,000 residents, 3:1 nursing, salaries 30% below national average.
Zero today. Rises automatically if street conditions decline — the full escalation table is below.
$1,072.50 is what you spend. $227.50 is what you keep.
Ladder Fee shown is illustrative — varies by state and year. PILOT is county-specific, activating Year 8.
The Ladder Fee Formula
Your fee moves with median income. Never with the market.
Not a mortgage payment. The Ladder Fee funds the next town — you're funding the ladder you climbed, for whoever comes next.
(State Prior Year Median HHI × 5%) ÷ 12 months ÷ 900 sqft = $/sqft/month
Example at a state median HHI of $75,600:
Splits in half automatically: $0.1750 is your fee, $0.1750 redirects into your own Steward Sub-Account.
No discretion, no vote
The formula's output against state median income — recalculated only at renewal. No emergency rate hikes.
CLT Ground Lease — Escalation Table
Safety is too important to be aspirational.
Starts at $0.00. Escalates automatically if security and crime metrics fail.
Fee vs property tax
No general fund. Every dollar named.
Every fee category lands in its own named escrow, indexed to square footage, not market value. See how the ledger and no-general-fund structure work →
No general fund to raid
Every fee category has its own ring-fenced escrow. Healthcare money can only pay healthcare.
Indexed to sqft, not market value
Property tax rises when your neighborhood improves. Your fee does not.
Locked for your term
Set at signing, using the formula on this page, and held for the length of your PLC.
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