Complete Fee Schedule — how every line is derived
Every
line item.
One flat fee per square foot. Every category its own escrow. Eleven of the twenty-four lines are pure arithmetic. The rest can be revised as costs move — but only with the formula and the resulting number published first, and only by a steward vote.
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
Every dollar lands in a named escrow, spendable only on the category it names.
Indexed to sqft
Your fee cannot rise when the town becomes desirable. It is tied to size, not value.
Ladder locked at signing
Your Ladder Fee is set at the state median HHI at signing. It does not change. The voted lines can — by your own town’s vote, never anyone else’s.
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. 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 Personal 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
Two kinds of line, marked on each row. Formula lines are arithmetic you can re-run — staffing ratios against benchmarked national salaries, or the Ladder's income formula — and the working is printed under the row. Steward vote lines move as costs do, but not by anyone’s decision alone. The Quiet Council can only propose a revision, and a proposal has to publish the formula and the exact resulting fee for that line before stewards vote on it. Nobody outside the town can change these, and nobody inside can change them quietly. PILOT (Year 8+) and the business fulfilment fee sit outside this schedule.
A mandatory line item, same as any other — but it lands directly in your own account instead of paying for a service. It is counted in the single total below, because it is part of what you commit every month. Your SWF also holds a Community account (pre-funded by escrow interest before your county is announced) and a Rainy Day account — see below.
Officer headcount per 1,000 residents, against benchmarked national salaries.
Personnel ratios per 1,000 residents, against benchmarked national salaries.
Staffing-cost-derived: 4 physicians per 1,000 residents, 3:1 nursing, salaries 30% below national average.
4 physicians per 1,000 residents, 3:1 nursing, salaries benchmarked 30% below the national average.
Covers ER care outside the town. The town negotiates the bill down on your behalf and pays it, provided the moral-hazard clause is not breached.
National average treatment costs, with the town negotiating drug pricing on the patient's behalf.
One adult to five children.
One teacher per twelve students.
Professor salaries, teacher-to-student ratio, and enrolment.
Zero today. Rises automatically if street conditions decline — the full escalation table is below.
Zero until street conditions decline, then a published escalation schedule.
— a month, all in — and — of that lands in your own Personal Account.
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 × 2.5%) ÷ 12 months ÷ 900 sqft = $/sqft/month
Example at a state median HHI of $75,600:
Your SWF Personal Account is funded by an identical calculation, run separately — the same 2.5% formula, the same rate, landing directly in your own account instead of the next town's escrow.
No discretion, no vote
The formula's output against state median income — recalculated only at renewal. No emergency rate hikes.
Set by your state, not your street
The input is your state's prior-year median household income, published annually. A desirable address does not change it.
900 sqft is the divisor, always
The denominator is fixed, so a larger dwelling pays proportionally more and the rate per square foot stays identical for everyone.
The Rainy Day Account
Twelve months of security, funded before you ever need it.
The third account in your Sovereign Wealth Fund: a capital-preservation reserve holding exactly 12 months of your entire service fee — every line in the schedule above, Ladder Fee included. Your Personal Account contribution sits outside it, because that is savings rather than cost. Funded once at entry. Never touched unless hardship strikes.
Option A — Default
- 20% paid upfront at lease signing.
- 80% deferred over a fixed 24-month installment schedule.
- A 10% carrying fee on the deferred balance routes 100% to Civic Anchor.
- Results in a monthly add-on to your service fee bill for 24 months.
Option B — Pay in full
- The entire Rainy Day contribution is paid at lease signing, in one payment.
- No installments, no carrying fee, no monthly add-on.
- $0 contribution to Civic Anchor through this mechanism — other Civic Anchor sources still apply.
- No penalty for choosing this option.
One more payment at move-in — into your own account
Alongside the Rainy Day reserve, every selected steward opens their Personal Account with a one-time deposit of $1.00/sqft — $1,300 on a 1,300 sqft dwelling. It is not a fee and it does not pay for a service: it is your money, seeding the account your monthly contribution then builds on. Pooled with every other steward's, so an ordinary household gets institutional investing access it would not qualify for alone.
Paid once, at move-in. Separate from the monthly schedule above, and separate from the reserve below.
Worked example at the fee-schedule median HHI of $75,600. The reserve depends only on square footage, so a unit of the same size costs the same in any zone — the names below are shown with their zone because they repeat across zones at identical sizes.
| Unit | Full Reserve | 20% Upfront | Deferred Balance | 10% Carrying Fee | 24-mo Add-on |
|---|---|---|---|---|---|
| Iris · Wild Flower 1BR (338 sqft) | $3,346 | $669 | $2,677 | $268 | $123/mo |
| Apricot · Orchard Garden 1BR (900 sqft) | $8,910 | $1,782 | $7,128 | $713 | $327/mo |
| Cherry · Orchard Garden 2BR (1,300 sqft) | $12,870 | $2,574 | $10,296 | $1,030 | $472/mo |
| Pear · Orchard Garden 3BR (1,800 sqft) | $17,820 | $3,564 | $14,256 | $1,426 | $653/mo |
| Plum · Orchard Garden 4BR (2,400 sqft) | $23,760 | $4,752 | $19,008 | $1,901 | $871/mo |
| Mulberry · Orchard Garden 5BR (2,700 sqft) | $26,730 | $5,346 | $21,384 | $2,138 | $980/mo |
Option B stewards pay the Full Reserve column in one payment at signing — nothing further.
If hardship hits
Job loss or disability triggers automatic draws from your Rainy Day Account to cover monthly fees. Installment add-ons pause immediately. A 24-month Replenishment Phase follows — Civic Anchor dividends auto-redirect back into your Rainy Day Account until it's restored to 100%. Voting rights remain fully intact throughout; the franchise is never tied to financial status.
Fully ring-fenced
Protected from building liabilities, structural repairs, ground lease penalties, and Cooperative operating deficits. No board, trustee, municipal authority, or community vote has any legal claim on it. Ever.
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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