The Cost of Living
$1,065 covers everything.
Rent. Healthcare. Education. Utilities. Gigabit internet. Security. Daycare. All of it. One monthly fee per square foot. No surprises, no insurance paperwork, no school district lottery. Just one number that covers a life.
The LEC
Neither Rent Nor Ownership
A Limited Equity Cooperative (LEC) is a proprietary lease of occupancy — the legal right to live in your unit for 2 to 16 years. Your monthly fee is stable for the duration of your term. It does not rise with property values. The town's appreciation does not flow to you on exit — it flows to fund the next town.
This is the mechanism that keeps the ladder down — that ensures the next generation of stewards pays the same real cost you paid, not the inflated speculative premium that conventional homeownership creates.
On entry
You pay the Ladder Fee monthly — a charge based on state median HHI. That fee escrows directly toward funding future URBAL towns. You are a co-investor in the network.
On exit
You receive back your Ladder Fee contributions, adjusted by your LEC term multiplier. A 16-year term earns a 1.25× multiplier. A 2-year term earns 0.85×. The only thing locked is the fee rate.
The Real Cost of Conventional Life
$1,915–2,715 Saved. Every Month.
$1,915–2,715
Monthly savings
$366,480–521,280
16-year LEC total savings
Dwelling Unit Families
Five Families. Every Life Stage.
Central URB Apartments — Flower Color Family
Blush
$787.68
/month all-in
Ivory
$1,137.76
/month all-in
Amber
$1,575.36
/month all-in
Saffron
$2,100.48
/month all-in
Haussmann courtyard apartments in the inner 3×3 block grid. Rooftop: K–12 school and daycare behind privacy-glass mansard.
Outer Wall Apartments — Climbing Plant Family
Ivy
$787.68
/month all-in
Hydrangea
$1,137.76
/month all-in
Honeysuckle
$1,575.36
/month all-in
Wisteria
$2,100.48
/month all-in
Morning Glory
$2,363.04
/month all-in
Five-story perimeter ring. Dulwich blind arch exterior. Rue de Rivoli colonnade interior. Hydroponic rooftop.
Wild Flower Garden SFH — Wildflower Family
Iris ADU
$295.82
/month all-in
SweetPea
$875.20
/month all-in
Sunflower
$1,641.00
/month all-in
Orchid
$2,363.04
/month all-in
Peony
$3,752.86
/month all-in
Charleston-style detached homes in the Wild Flower Garden URBs. Private garden plots enclosed by Tuileries-style limestone and wrought iron fence.
Evelyn Rose URB — Gemstone Family (Oglethorpe Lot Types)
Jet
$328.20
/month all-in
Pearl
$525.12
/month all-in
Amber
$765.80
/month all-in
Coral
$1,050.24
/month all-in
Ruby
$1,575.36
/month all-in
Diamond
$2,144.24
/month all-in
The central Oglethorpe ward block. Trust lots flank the central square. Tything lots run the outer lanes. 70 dwellings per block.
LEC Term & Score Multiplier
Commit Longer, Score Higher
Your LEC term commitment directly affects your selection score and your Ladder Fee return on exit. Longer commitment = higher priority in selection = higher return.
Household Qualification
The All-or-Nothing Rule
If you form a household pledge group, ALL members must be individually selected — or NONE receive the unit. Your weakest member is the binding constraint. Every person in a unit chose URBAL deliberately.