What the override vote means for the median Marblehead tax bill

This table uses the town's median homeowner example: a single-family home assessed at $998,600 with a current tax bill of about $8,548. It shows the property-tax bill under each override outcome for the median home.

The service override phases in over three years. Trash uses the FY27 curbside amount and two smaller follow-on draws. Trash rows here show the property-tax bill only. If the trash and recycling override passes, the separate household fee goes away. If it fails, that fee stays.

Lower to higher property-tax bills on a single scale
Scenario
Today
Current bill
Year 1
First draw
Year 2
Second draw
Year 3
Phased in
Year 5
After growth
Year 10
After growth
Tier 3 + Trash
~$312/mo above today by yr 10
$8,548
$9,196
+$648
$9,926
+$1,378
$10,326
+$1,778
$10,849
+$2,301
$12,274
+$3,726
Tier 3 only
~$287/mo above today by yr 10
$8,548
$8,977
+$429
$9,697
+$1,149
$10,085
+$1,537
$10,596
+$2,048
$11,988
+$3,440
Tier 2 + Trash
~$280/mo above today by yr 10
$8,548
$9,046
+$498
$9,733
+$1,185
$10,018
+$1,470
$10,525
+$1,977
$11,908
+$3,360
Tier 2 only
~$256/mo above today by yr 10
$8,548
$8,828
+$280
$9,504
+$956
$9,777
+$1,229
$10,272
+$1,724
$11,622
+$3,074
Tier 1 + Trash
~$249/mo above today by yr 10
$8,548
$8,896
+$348
$9,440
+$892
$9,707
+$1,159
$10,199
+$1,651
$11,539
+$2,991
Tier 1 only
~$225/mo above today by yr 10
$8,548
$8,678
+$130
$9,210
+$662
$9,467
+$919
$9,946
+$1,398
$11,253
+$2,705
Trash only
~$159/mo above today by yr 10
$8,548
$8,766
+$218
$8,777
+$229
$8,789
+$241
$9,234
+$686
$10,447
+$1,899
No overrides
~$200/mo above today by yr 10
$8,548
$8,762
+$214
$8,981
+$433
$9,205
+$657
$9,671
+$1,123
$10,942
+$2,394
Checked against the town presentation: The service-side cumulative increases in this table match the median-home spreadsheet values shown in the presentation materials: Tier 1 at about $130, $662 and $919 by Years 1, 2 and 3; Tier 2 at about $280, $956 and $1,230; and Tier 3 at about $429, $1,149 and $1,537. The rounded annual pieces on the presentation slide also add up to those same Year 3 totals.
How each number is built:

Base bill: 998,600 × 8.56 / 1,000 = 8,548.016, shown as $8,548.
Service-only rows: use the town's median-home cumulative totals from the spreadsheet image. Example: Tier 3 Year 2 = 8,548.016 + 1,149.14 = 9,697.156, shown as $9,697.
Trash-only row: uses the trash worksheet's FY27, FY28 and FY29 draw path converted to the median home: $218.35, $229.27, $240.73. Example: Trash Year 3 = 8,548.016 + 240.73 = 8,788.746, shown as $8,789.
Combined rows: add service and trash cumulative increases together before adding them to the base bill. Example: Tier 3 + Trash Year 3 = 8,548.016 + 1,537.36 + 240.73 = 10,326.106, shown as $10,326.
Year 5 and Year 10: start from each row's Year 3 total and grow that total by 2.5% for 2 more years and 7 more years: Year 5 = Year 3 × 1.025²; Year 10 = Year 3 × 1.025⁷.
No overrides: grows today's bill by 2.5% per year across the displayed columns.
Median-home value, rounded annual service impacts, and Year 3 override totals come from the town's FY2027 override presentation. Trash starts from the FY27 New Curbside Collection amount in the no-override budget and uses the two smaller follow-on draws shown in the town worksheet. This table shows the property-tax bill only, not the net household cost after any trash fee change.