Complete Fee Schedule — 2BR, 1,300 sqft · at $80K state median HHI
$1,218.
Every line item.
The monthly fee is a flat per-square-foot charge. Every category has its own escrow account and immutable ledger chain. Every dollar is traceable. Nothing is pooled.
[Image: fee ledger — clean rows, each category visible, immutable ledger seal]
$0.9366/sqft all-in
Municipal services + Tea Leaves + Samara Air. Years 1–7. Scales with HHI.
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
Nobody adds it up. That is not an accident.
The conventional bill arrives in fragments — rent, car payment, insurance, utilities, healthcare premium, student loan — each one normalized, none of them showing you the total. This is that total.
Conventional — 1BR, major US metro
Add student loans: +$310/mo → $4,093. Add one child in childcare: +$1,800/mo → $5,583.
URBAL — 1BR steward, 900 sqft
URBAL total includes catastrophic illness, education birth–university, and global travel benefits. The conventional total includes none of those.
$2,940/mo freed
The monthly difference for a 1BR. No car, no insurance, no extraction layer.
$3.8M over 30 yrs
The monthly gap invested at 7% annually. Not investment outperformance — removal of extraction.
$0 student loans
Education is funded collectively. The credential system's debt instrument does not exist here.
URB Type
Bedrooms
Full fee schedule · Courtyard URB · 2BR · 1,300 sqft
Ladder Fee shown at $80K state median HHI — varies by state. PILOT (payment in lieu of property tax) is county-specific and activates Year 8 of stewardship.
The Ladder Fee Formula
Your fee moves with median income. Never with the market.
The Ladder Fee is calculated from the prior year state median household income — recalibrated at each PLC renewal so it never disconnects from the economy you live in.
(State Prior Year Median HHI × 5%) ÷ 12 months ÷ 900 sqft = $/sqft/month
Example at Indiana HHI $63,000:
Indexed to sqft, not value
When your neighborhood improves, your fee does not go up. The town's success cannot be used to price you out of it.
One escrow per line item
Healthcare money can only pay healthcare. Education money cannot be raided. Misallocation is architecturally impossible.
6 months to change anything
A per-sqft fee can only change via Quiet Council vote after a full 6-month deliberation cycle. No emergency rate hikes.
Real-time on immutable ledger
Every dollar collected, allocated, and spent is recorded in real time — not in a quarterly report after the money is gone.
CLT Ground Lease — Escalation Table
Safety is too important to be aspirational.
The CLT ground lease starts at $0.00. It escalates automatically if the town's security and crime metrics fail — making the town unaffordable long before year 5.
Fee vs property tax
Property tax is a slush fund. URBAL made one structurally impossible.
Your property tax disappears into one municipal pool — no named destination, no real-time accounting, spent at administrative discretion and reported after the fact. URBAL's fee can't be abused that way, because there is no pool. Every dollar lands in a named escrow on the immutable ledger, and no human can move it.
No general fund to raid
Property tax flows into a single pool with no guaranteed destination — the design that makes misallocation possible everywhere. Every URBAL fee category has its own ring-fenced escrow. Healthcare money can only pay healthcare. There is nothing to raid.
No human discretion
Municipal funds are moved by administrators. URBAL escrows are written to the immutable ledger with no human write access — not the Quiet Council, not URBAL, not the county. Misallocation isn't prohibited. It's architecturally impossible.
Indexed to sqft, not market value
Property tax rises when your neighborhood improves. Your URBAL fee does not — it is calculated on square footage and locked at signing.
Audited in real time, not annually
Property tax accountability arrives in a statement after the money is spent. URBAL balances are on the ledger now — every dollar collected, allocated, and spent, visible to any steward at any moment.
Problems surface by line item
In a blended tax pool, underfunding hides until something breaks. Separate escrows diagnose themselves: a category running short or piling up an unjustified surplus is visible on the ledger immediately.
Tuned by vote, line by line
When the ledger shows a category needs more — or dramatically less — stewards adjust that one rate through deliberation and vote. Precision, not a blended tax hike covering who-knows-what.
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