BOSTON PUBLIC LIBRARY
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,1802
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Given By
United Stgtes Census Office
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Digitized by the Internet Archive
in 2010 with funding from
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Extra Census Bulletin.
No. 18. WASHINGTON, D. c. April 8, 1892.
STATISTICS OF FARMS, HOMES, AND MORTGAGES.
OWNERSHIP AND DEBT IN KANSAS AND OHIO.
DEPARTMENT OF THE INTERIOR,
Census Office,
Washington, D. O, April 2, 1892.
Sir:
The tables of this bulletin are the first results of the returns under the investigation of farm and home ownership
and indebtedness. They were made in compliance with the following request from Hon. W. A. Peffer United
States Senator and member of the Census Committee of the Senate :
I should be pleased to obtain some of the more important results of the investigation of farm and home ownership and indebtedness in a
few counties in Kansas and Ohio, if the returns are ready for tabulation.
It is particularly desired to know what sort of tables can be made from these statistics and in what form they may be expressed ■ but I
should not wish you to go into all possible details, and I shall be very thankful if you cover only the particulars mentioned in the act callin<>-
for this investigation.
I trust that I am not asking too much of the Census Office, and that the importance of the matter may be sufficient excuse for the labor
required.
When work was begun on these tables their publication was not thought of, because only portions of states are
represented, and it is too early to begin the tabulation of complete states before they are so prepared that their
results will be final. The tabulation was experimental, but upon its conclusion the results are found to be so novel
and interesting and so nearly final that it may be presumed that the public will desire to know them, although
they are derived from only 20 counties.
In selecting the Kansas counties the effort was made to find a body of neighboring counties neither amono- the
newer nor among the older ones, with the hope that then' conditions would be a fair average for the whole state.
In the selection of the Ohio counties it was desired to find much older conditions than in Kansas, and especially to
discover the degree of home ownership in a large city; therefore Hamilton county, containing Cincinnati and 9
neighboring counties in the southwest corner of the state were selected.
This is the first investigation of its kind that has ever been undertaken by a statistical office, and in a country
as large as the United States, with a population of 12,690,152 families, is one of great magnitude and of numerous
perplexities. It affords me great pleasure to call attention to the admirable report in regard to the scope of this
branch of the Farms, Homes, and Mortgages investigation by Mr. George K. Holmes and Mr. John S. Lord
special agents of the Eleventh Census. These gentlemen both deserve great credit for the thoroughness and ability
displayed in bringing to a successful termination the most difficult statistical inquiry ever undertaken by the
government of any country. This work of the Eleventh Census has attracted widespread attention at home and
abroad on account of the novelty of the inquiry, the difficulties to be overcome, and the importance of the results.
Special attention is directed to that portion of the report which refers to the information descriptive of farm and
home owners and tenants obtained by this inquiry. These data will surely aid greatly in the solution of the
individual debt question.
Very respectfully,
ROBERT P. PORTER,
Superintendent of Census.
The Secretary of the Interior,
C. O. P.-7m
STATISTICS OF FARMS, HOMES, AND MORTGAGES.
OWNERSHIP AND DEBT IN KANSAS AND OHIO.
BY GEORGE K. HOLMES AND JOHN S. LORD.
SCOPE OF THE INVESTIGATION.
The tabulation that leads to the publication of this bulletin is the first that has been done for any of the
returns under the investigation concerning farms and homes, and its purpose is explained in the letter of the
Superintendent of Census on the Srst page. The character of this investigation has not been understood by the
public, and some explanation of it may now be made.
Many petitions were presented to Congress in the winter of 1889-1890 with the following request :
* * * That Mr. Robert P. Porter, Superintendent of the Eleventh Census, be respectfully requested to collect data to show in the
next census what percentage of the people in this country occupy their own homes and farms ; what proportion are tenants ; and, of those
who occupy their own homes and farms, what proportion have their property free from debt ; and, of the homes and farms which are under
mortgage, what percentage of the value is so mortgaged.
In compliance with this request an act was passed by Congress, and approved by the President February 22,
1S90, as follows:
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, That it shall be the duty of
the Superintendent of Census, in addition to the duties now required of him by law, to ascertain the number of persons who live on and
cultivate their own farms, and who live in their own homes, and the number who hire their farms and homes, and the number of farms and
homes which are under mortgage, the amount of mortgage debt, and the value of the property mortgaged. He shall also ascertain whether
such farms and homes have been mortgaged for the whole or part of the purchase money for the same, or for other purposes, and the rates of
interest paid upon mortgage loans.
Sec. 2. That for the purposes of this act the sum of one million dollars is hereby appropriated out of any money in the Treasury not
otherwise appropriated.
Sec. 3. That the provisions of sections thirteen, fourteen, fifteen and sixteen of the "Act to provide for taking the Eleventh Census and
subsequent censuses", approved March first, eighteen hundred and eighty-nine, shall apply to the provisions of this act.
In section 15 of the census act, which is applied to this act, it is provided that every member of a family over
20 years of age shall, upon request of the Census Office, supply the information in regard to the family called for by
the census law, and that "whoever shall willfully fail or refuse shall be guilty of a misdemeanor, and upon
conviction thereof shall be fined in a sum not exceeding one hundred dollars".
The difficulties encountered in planning the execution of this investigation and the means adopted for evading
and overcoming them have already been explained by the Superintendent of Census in Census Bulletin No. 5. As
the tables herewith presented show, the requests of the petitioners have been fully complied with by this office. To
the points embraced in the petitions the law added two, namely, in regard to the objects of the indebtedness and
the rates of interest to which it is subject, and information in regard to these also has been obtained with the same
success that has attended the remainder of the investigation concerning indebtedness.
In addition to the information requested by the petitions and required by law the Census Office has obtained
a considerable amount of description of farm and home owners and tenants that will be of much interest to the
public. This description consists of the following items in regard to every person occupying a farm or home that
he owns and in regard to the head of each tenant family : race, sex, age, conjugal condition, country of nativity,
number of years resident in the United States if foreign born, whether a citizen or not, occupation, and, in the case
of owners, relationship to the head of the family.
A tabulation of these items of description will disclose, among other things, to what extent the colored people
have become owners of farms and homes ; how far ownership is vested in wives ; at what age ownership has more
generally been acquired ; whether the circumstances of unmarried persons are such as to lead considerably to
ownership ; whether the Irishman or the German has been more successful in becoming an owner, and so with the
Italian, the Swede, the Frenchman, etc. ; whether the German has required a longer or shorter residence in this
country than the Irishman before owning his farm or home, and so with people of other nativities ; to what extent
the citizenship of the foreign born is related to their ownership ; a comparison between the sexes in the ownership
of farms and homes, and the dependence of ownership upon the various occupations of the people.
3
4 FARMS, HOMES, AND MORTGAGES.
Distinctions to be made. — It will be observed from the foregoing that the investigation concerning farms and
homes does not cover the same ground that is covered by the investigation of real estate mortgage indebtedness,
some of the results of which have been published in several bulletins. The latter inquiry includes the
incumbrances upon all real estate except that which is owned by public and quasi-public corporations ; the farm
and home inquiry includes the incumbrances only upon farms and homes not on farms, occupied by owners. The
chief purpose of this inquiry, as a careful reading of the petitions that led to it will show, is to determine the
degree to which the ownership of farms and homes prevails among the families of the country ; the question of debt
is subsidiary to this, since the object of the petitioners in regard to debt was to discover how far ownership is
qualified by incumbrance.
The unit of the farm and home inquiry is the family, and every family is accounted for in one way or another.
Therefore, the total number of families occupying farms is not the same as the total number of farms as enumerated
in the census, nor is the total number of families occupying homes the same as the total number of enumerated
dwellings. Wherever the word farm is used in the following pages it generally embraces a farm as ordinarily
understood, but in some cases it embraces only a portion of such farm, and may include what are commonly
accepted as two or more farms. The family being the unit, whatever it cultivates must necessarily be credited to
it, no more and no less. The total number of families occupying farms added to the total number occupying homes
equals the total number of families within any given political area. If two distinct families live on the same farm
or in the same dwelling not situated on a farm, two families are counted. A family cultivating a farm is counted
as a farm family, although it necessarily has a home ; a home family is counted as such if it does not cultivate a
farm.
OWNERSHIP OF FARMS AND HOMES.
In the 10 Kansas counties selected for tabulation no returns have been received concerning 6.38 per cent of
the total number of families occupying farms and homes, as is shown in Table 1. After eliminating these families
from further consideration, it is shown that 60.89 per cent of the remaining 28,785 families own their farms and
homes, the date for which this was true being June 1, 1890. Consequently 39.11 per cent of the families were
tenants. The uniformity of these percentages for the several counties will be noticed, the greatest variation being
in Riley county, where the owning families are 70.97 per cent of the total regarding which report was received and
the hiring families 29.03 per cent.
Of the 17,526 owning families, 43.28 per cent own their farms and homes free of incumbrance and 56.72 per
cent with incumbrance, the two counties exhibiting the greatest variations being Riley, with 57.32 per cent of the
owning families free of incumbrance and 42.68 per cent with incumbrance, and McPherson county, with 35.07 per
cent of the families free of incumbrance and 64.93 per cent subject to incumbrance.
From 5.04 per cent of the total number of families occupying farms and homes in the Ohio counties no returns
were received. Of the remaining 131,184 families, 37.24 per cent own their farms and homes and 62.76 per cent
hire them.
Of the 48,847 owning families in Ohio, 78.72 per cent own free of incumbrance and 21.28 per cent with
incumbrance.
OWNERSHIP OF FARMS.
In Table 2 the facts corresponding to the foregoing are presented for families that cultivate farms to the
exclusion of families occupying homes not on farms. From 6.91 per cent of those in the Kansas counties no
returns have been received. Of the remaining 17,574 families, 66.75 per cent own and 33.25 per cent hire farms.
In 1880, according to the census of that year, 13.13 per cent of the farms in these 10 counties were hired, a farm,
and not a family, being the unit. The percentages of hired farms for the 20 counties in Kansas and Ohio in 1880
are presented in the following table in comparison with the percentages of hiring families in 1890 :
FARM TENANCY, 1880 AND 1890.
COUNTIES.
Percentage
of families
hiring farms
1890.
Percentage
of hired
farms 1880.
COUNTIES.
Percentage Percent
of families f hj |
"890armS farms 1880.
1
33.25
35.69
30.16
33.18
29.66
32.73
39.73
37 69
13.13
19.23
13.67
13.08
15.38
10.75
17.66
10.22
9.53
15.83
12.44
37.10 24.96
37.79 18.40
32.19 17.50 (
41.33 30.48
36.46 21.80
38.34 23.92
39.28 28.27
39.52 33.51
31.44 16.85
37.68 30.49
40.68 29.89
Clay
Butler
Greene
Hamilton
Riley
36.86
23.55
30.65
OWNERSHIP AND DEBT IN KANSAS AND OHIO. 5
Of the 11,731 owning families in Kansas, 35.62 per cent own farms that are free and 64.38 per cent farms that
are subject to incumbrance. County variations will be noticed upon examination of the table, Eiley county being
the most prominent one in this respect.
No returns were received from 7.79 per cent of the farm families in the Ohio counties ; 62.90 per cent of the
27,717 farm families making returns own the farms they occupy and 37.10 per cent hire them, the county variations
being inconsiderable. In 1880 24.96 per cent of the farms in these counties were hired.
The proportion of the 17,435 Ohio families owning farms free of incumbrance is 79.68 per cent of the total
number owning, and the proportion owning subject to incumbrance is 20.32 per cent of the total, the county
variations here also being inconsiderable.
HOME OWNERSHIP.
In Table 3 it is shown that, after omitting the 5.52 per cent of the total number of home families in the Kansas
counties concerning which no report has been received, 51.69 per cent of the remaining 11,211 families own and
48.31 per cent hire their homes, and of the 5,795 owning families, 58.81 per cent own free of incumbrance and
41.19 per cent own with incumbrance. The largest town in these 10 counties is Salina, in Saline county, with a
population of 6,149 ; the next in population is Junction city, in Geary county, with 4,502 people, and the third is
Abilene, in Dickinson county, with 3,547 people.
After deducting 4.28 per cent of the home families in the Ohio counties from which no returns were received
103,467 families making returns remain, and 30.36 per cent of these own and 69.64 per cent hire their homes. The
proportions for Hamilton county, containing the city of Cincinnati, are 21.95 per cent for owning families and
78.05 per cent for hiring families ; for 9 Ohio counties, omitting Hamilton county, the proportions are 50.24 per cent
for owning and 49.76 per cent for hiring families.
Of the 31,412 home-owning families in the 10 Ohio counties 78.18 per cent own free of incumbrance and 21.82
per cent with incumbrance. In Hamilton county 74.10 per cent of the home-owning families own free and 25.90
per cent own with incumbrance, while in 9 counties, omitting Hamilton county, 82.40 per cent own free and 17.60
per cent own with incumbrance. Cincinnati, in Hamilton county, has a population of 296,908 ; Hamilton, in Butler
county, 17,565 ; Middletown, in Butler county, 7,681 ; Xenia, in Greene county, 7,301.
RATIO OF DEBT TO VALUE.
The value of incumbered farms and homes occupied by owning families from which reports have been received
the amount of incumbrance thereon, and the ratio of incumbrance to value are presented in Table 4. The
percentages are derived from actual reports, and probably would be but little different if they were based on reports
from all families.
In the Kansas counties 38.12 per cent of the value of farms and homes occupied by owners and incumbered is
represented by the incumbrance thereon ; the percentage for farms is 37.96 and for homes 38.95. The accepted
valuation is that reported by owners.
In the Ohio counties the incumbrance is 40.53 per cent of the value of farms and homes, 36.97 per cent in the
case of farms and 42.76 per cent in the case of homes. County variations are more noticeable for homes than for
farms. The percentage of home incumbrance in Kansas is 0.99 of 1 per cent more than that of farm incumbrance ;
in Ohio it is 5.79 more.
AVERAGE VALUE AND INCUMBRANCE.
The average value of the farm cultivated by each family from which a report of incumbrance was received
is $3,694 in the Kansas counties; of each home, $2,198; total, $3,335. The average amount of incumbrance to a
farm is $1,402 ; to a home, $856 ; total, $1,271. These averages are found in Table 7.
In the Ohio counties the average farm is valued at $3,848 ; the average home, $3,167 ; total $3,399. The
average home in Hamilton county is valued at $4,020 ; the average home in 9 Ohio counties, excluding Hamilton
county, $1,872. It should not be forgotten that these farms and homes are occupied by owners and incumbered
and that none that are hired or free of incumbrance are included.
The average farm in the Ohio counties is worth $154 more than the average farm in the Kansas counties, but
the average home of the Kansas counties is worth $326 more than the average home of the Ohio counties, excluding
Hamilton county.
In the Kansas counties the average farm incumbrance is $1,402 ; the average home incumbrance, $856 ; total,
$1,271.
The average farm incumbrance in the Ohio counties is $1,422 ; the average home incumbrance, $1,354 ; total,
$1,378. The average home incumbrance in Hamilton county is $1,768 ; the average home incumbrance in 9 Ohio
counties, excluding Hamilton, $726.
For the 10 counties that are included the average Ohio farm has an incumbrance $20 greater than the average
Kansas farm ; but the average Kansas home has an incumbrance $130 greater than that of the average Ohio home,
excluding Hamilton county.
FARMS, HOMES, AND MORTGAGES.
CLASSIFICATION OF VALUES AND INCUMBRANCES.
A classification of families and of amounts of farm and home values and incumbrances according to the
amount thereof is made in Table 5, which may be examined if so detailed a classification is desired,
of this table for value are condensed into the following table :
The percentages
PERCENTAGE OF FAMILIES OCCUPYING OWNED AND INCUMBERED FARMS AND HOMES AND OF THE VALUE
THEREOF, BY CLASSIFICATION OF AMOUNTS OF VjiLUE.
UNDER 5100.
UNDER $500.
UNDER $1,000.
$100 AND UN-
DER $500.
$500 AND UN-
DER $1,000.
$1,000 AND UN-
DER $5,000.
$5,000 AND UN-
DER $25,000.
$5,000 AND
OVER.
$25,000 AND
OVER.
STATES.
For
num-
ber of
fami-
lies.
For
value.
For
num-
ber of
fami-
lies.
For
value.
For
num-
ber of
fami-
lies.
For
value.
For
num-
ber of
fami-
lies.
For
value.
For
num-
ber of
fami-
lies.
For
value.
For
num-
ber of
fami-
lies.
For
value.
For
num-
ber of
fami-
lies.
For
value.
For
num-
ber of
fami-
lies.
For
value.
For
num-
ber of
fami-
lies.
For
value.
Kansas (10 counties). .
0.02
0.10
2.40
5.88
0.24
0.52
10.74
18.58
1.97
3.11
2.38
5.78
0.24
0.52
8.34
12.70
1.73
2.59
71.17
60.54
53.43
41.62
17.77
20.27
41.48
48.80
18.09
20.88
44.60
55.27
0.32
0.61
3.12
6.47
FOR FARMS.
Kansas (10 counties). .| ,
Ohio (10 counties) ! 0.1
0.71
5.42
0.07 I! 4.05
0.43 ' 16.01
0.73
2.34
0.71
0.07
3.34
0.66
75.13
53.40
20.45
42.63
20.82
45.87
0.37
5.39
0.43
10.59
1.91
57.77
36.42
25.63
55.38
26.22
61.24
0.59
3.24
5.86
FOR HOMES.
Kansas(lOcounties).. 0.08
Ohio (10 counties) j 0.13
7.70
6.12
1.15
0.60
31.87
19.92
8.60
3.61
7.62
5.99
1.15 !
0.60
24.17
13.80
7.45 j
58.70
53.50
9.26
35.42
9.43
37.90
0.17
3.01
61.98
44.88
17.49
44.66
18.10
51.51
0.61
2.48
6.85
For the included counties 4.05 per cent of the farm families in Kansas own incumbered farms worth less than
$1,000, and these farms are worth in the aggregate 0.73 of 1 per cent of the value of all the farms represented. In
Ohio 16.01 per cent of the farm families own farms of the same class worth 2.34 per cent of the value of all farms.
In Kansas 75.13 per cent of the farm families own incumbered farms worth $1,000 and under $5,000, their
aggregate value being 53.40 per cent of the total value. In the same class in Ohio 57.77 per cent of the farm
families are represented, and the aggregate value of these farms is 36.42 per cent of the total value of all farms
included.
Of the Kansas farm families 20.82 per cent own incumbered farms worth $5,000 and over, having an aggregate
value that is 45.87 per cent of the total, and in Ohio 26.22 per cent of the farm families own farms in the same
class having an aggregate value that is 61.24 per cent of the total.
The percentages of the same classes for homes show that in the Kansas counties 31.87 per cent of the home
families own incumbered homes worth less than $1,000, whose aggregate worth is 8.60 per cent of the total value.
In the Ohio counties 19.92 per cent of the home families own homes in the same class worth 3.61 per cent of the
total.
In the class of $1,000 and under $5,000 58.70 per cent of the home families in Kansas own incumbered homes
worth 53.50 per cent of the total value, and 61.98 per cent of the home families in Ohio own incumbered homes
worth 44.88 per cent of the total.
Of the Kansas home families 9.43 per cent own incumbered homes, valued at $5,000 and over, that are worth
37.90 per cent of the total, and of the Ohio home families 18.10 per cent own homes in the same class worth 51.51
per cent of the total value of all homes included.
A condensation of the percentages of Table 5 for the amount of incumbrance is presented in the table on the
following page, in which it appears that while, as already shown, the many families are not provided with as costly
mortgaged farms and homes as the few are provided with, it is also true that the many are individually carrying
mortgage debts less costly than the mortgage debts individually carried by the few.
OWNERSHIP AND DEBT IN KANSAS AND OHIO.
PERCENTAGE OF FAMILIES OCCUPYING OWNED AND INCUMBERED FARMS AND HOMES AND OF THE INCUMBRANCE
THEREON, BY CLASSIFICATION OF AMOUNTS OF INCUMBRANCE.
UNDEK $100.
UNDER $500.
OTDIR $1,000.
$100 AND
UNDER $500.
$500 AND
UNDER $1,000.
$1,000 AND
UNDER $5,000.
$5,000 AND
UNDER $25,000.
$5,000 AND
OVER.
$25,000 AND
OVER.
STATES.
For
num-
ber of
fami-
lies.
For in-
cum-
brance.
For
num-
ber of
fami-
lies.
For in-
cum-
brance.
For
num-
ber of
fami-
lies.
For in-
cum-
brance.
For
num-
ber of
fami-
lies.
For in-
cum-
brance.
For
num-
ber of
fami-
lies.
For in-
cum-
brance.
For
num-
ber of
fami-
lies.
For in-
cum-
brance.
For
num-
ber of
fami-
lies.
For in-
cum-
brance.
For
num-
ber of
fami-
lies.
For in-
cum-
brance.
For
num-
ber of
fami-
lies.
Forin-
cum-
brance.
Kansas (10 counties)
OhioflO counties) ...
0.97
3.53
0.04
0.14
22.10
30.46
5.01
5.37
51.43
53.64
20.69
16.78
21.13
26.93
4.97
5.23
29.33
23.18
15.68
11.41
46.31
42.10
66.20
60.18
2.25
4.22
12.91
21.97
2.26
4.26
13.11
23.04
0.01
0.04
0.20
1.07
FOE FARMS.
Kansas (10 counties) 0.25 | 0.01
Ohio (10 counties) ... 3.30 0.13
15.06
29.66
3.31
5.04
44.63 I 17/
52.52 I 15.1
14.81
26.36
3.30
4.91
29.57
22.86
14.48
10.78
52.1
42.!
69.07
61.04
2.51
4.49
13.14
21.86
2.51
4.55
13.14
23.14
0.06
1.28
FOE HOMES.
Kansas (10 counties)
Ohio (10 counties) ...
3.23
3.65
0.21
0.15
44.34 13.82
30.88 5.56
72.91 i 35.73
54.23 j 17.32
41.11
27.23
13.61
5.41
28.57
23.35
21.91
11.76
25.59
41.67
51.31
59.69
1.46
4.07
11.74
22.04
1.50
4.10
12.96
22.99
0.04
0.03
1.22
0.95
INTEREST ON" THE DEBT.
Owners were requested to include in the rate of interest reported by them all bonuses and commissions paid to
lenders or their agents, the aim being to arrive at the true annual cost of indebtedness to the borrower. The rates
of interest are presented in detail in Table 6, which shows the number of families paying each rate, the amount of
the debt at each rate, and the percentage that it is of the total debt. These percentages are condensed in the
following table, and percentages are added for number of families:
PERCENTAGE OF FAMILIES OCCUPYING OWNED AND INCUMBERED FARJtS AND HOMES AND OF THE INCUMBRANCE
THEREON, BY RATES OF INTEREST.
UNDE]
CE
For
num-
ber of
fami-
lies.
I 6 PER
NT.
For in-
cum-
brance.
6 PER CENT.
7 PER CENT.
8 PER CENT.
6 TO 8 PER CENT,
INCLUSIVE.
OVER 6 PER
CENT.
OVER 8 PER
CENT.
OVER 10 PER
CENT.
OVER 12 PER
CENT.
STATES.
For
num-
ber of
fami-
lies.
For in-
cum-
brance.
For
num-
ber of
fami-
lies.
For in-
cum-
brance.
For
num-
ber of
fami-
lies.
For in-
cum-
brance.
For
num-
ber of
fami-
lies.
Forin-
cum-
brance.
For
num-
ber of
fami-
lies.
For in-
cum-
brance.
For
num-
ber of
fami-
lies.
For in-
cum-
brance.
For
num-
ber of
fami-
lies.
For in-
cum-
brance.
For
num-
ber of
fami-
lies.
For in-
cum-
brance.
Kansas (10 counties)
Ohio (10 counties) ...
0.48
3.71
0.58
4.99
5.57
48.01
5.36
54.77
13.26
12.96
11.91
14.89
31.05
27.06
31.15
14.37
56.78
93.57
59.41
93.64
93.95
48.28
94.06
40.24
42.74
2.72
40.01
1.37
6.09
0.30
4.47
0.18
0.95
0.10
0.61
0.06
FOR FARMS.
Kansas (10 counties)
Ohio (10 counties) ...
0.43
2.03
0.53
2.59
6.34
30.99
5.75
31.64
14.27
18.46
12.06
26.22
32.62
41.15
31.60
24.99
61.39
97.21
61.30
97.05
93.23
66.98
93.72
65.77
38.18
0.76
38.17
0.36
3.26
0.06
3.46
0.01
0.64
0.50
FOR HOMES.
Kansas (lOcounties)
Ohio (10 counties) ...
0.67
4.58
0.81
6.30
3.14
56.80
3.33
67.33
10.05 11.13
10.11 8.73
26.06 28.84
19.77 8.61
42.19
91.68
49.61
91.79
96.19
38.62
95.86
26.37
57.14
3.74
49.58
1.91
15.04
0.42
9.75
0.27
1.93
0.15
1.26
0.10
S FARMS, HOMES, AND MORTGAGES.
Of the total farm and home debt in the Kansas counties, 5.36 per cent bears interest at 6 per cent, and this is
paid by 5.57 per cent of the families ; in the Ohio counties 48.01 per cent of the families pay interest at 6 per cent
on 54.77 per cent of the debt.
Interest rates of 6 to 8 per cent, both inclusive, are paid by 56.78 per cent of the Kansas families on 59.41 per
cent of the farm and home debt, and by 93.57 per cent of the Ohio families on 93.64 per cent of the debt.
Kates higher than 8 per cent are paid by 42.74 per cent of the Kansas families on 40.01 per cent of the farm
and home debt, and in Ohio by 2.72 per cent of the families on 1.37 per cent of the debt.
On 4.47 per cent of the Kansas debt interest rates higher than 10 per cent are paid by 6.09 per cent of the
families, and in Ohio on 0.18 of 1 per cent of the debt by 0.30 of 1 per cent of the families. Such differences as
exist between the rates of interest for farms and those for homes will be noticed on examination of the foregoing
table.
In Table 7 it appears that the annual interest charge to each Kansas farm family for the 10 counties is $114
to each home family, $74 ; total, $104. In Ohio it is $97 to each farm family ; $85 to each home family ; total, $89
to each home family in Hamilton count}', $108 ; to each home family in 9 Ohio counties, omitting Hamilton county
$52. The county variations are considerable.
The average interest charge to each farm family is $40 greater than the average to each home family in Kansas,
and $33 greater in the Ohio counties, omitting Hamilton county7. The annual interest charge to each farm family
in Kansas is $29 greater than in Ohio ; to each home family in Kansas $22 greater than to each home family in
the Ohio counties, omitting Hamilton county.
The average annual rate of interest also is shown in Table 7. It is 8.12 per cent on farm debt in Kansas ;
8.69 per cent on home debt; total, 8.22 per cent. In Ohio it is 6.85 per cent on farm debt; 6.30 per cent on home
debt ; total, 6.49 per cent.
The rate for farms in Kansas is 0.57 of 1 per cent less than for homes ; for fai-ms in Ohio 0.55 of 1 per cent
greater than for homes. The lowest average rate of interest found in the 20 counties is 6.08 per cent on the home
debt of Hamilton county, Ohio, and the highest is 9.26 per cent on the home debt of Ottawa county7, Kansas. The
difference between the average rate of interest on farms and the average on homes in each of these states is explained
by a difference in supposed risk. The highest rate of interest reported in Kansas is 36 per cent, borne by a debt of
$350 on one home.
OBJECTS OF INDEBTEDNESS.
Remarkable success has attended the efforts of this office to ascertain why this indebtedness was incurred, as
will be realized upon examining Tables 8 and 9, in which the objects of indebtedness are classified for farms and
homes, Tables 10 and 11, in which they are classified for farms, and Tables 12 and 13, for homes.
In the Kansas counties 53.79 per cent of the farm debt was incurred to secure purchase money or the deferred
payments for the purchase of real estate, and for real estate improvements, when not associated with any other
objects of indebtedness, and this debt is owed by 55.10 per cent of the total number of farm debtor families from
which report has been received. In Ohio the same objects of indebtedness are represented by7 74.75 per cent of the
farm debt and by 75.81 per cent of the number of farm families.
The difference between the percentages of Kansas and Ohio is more apparent than real, because in Kansas
other objects are associated with the objects of purchase and improvements more than in Ohio, and this association
of objects is represented in other classifications.
The objects of real estate purchase and improvements, business, and the purchase of personal property, when
not associated with other objects, were the reasons for incurring 71.23 per cent of the farm debt in the Kansas
counties by 70.02 per cent of the farm families, and in Ohio these were the objects for incurring 81.96 per cent of
the farm debt by 82.25 per cent of the farm families. The general uniformity in the county7 percentages of each
state is noticeable.
Farm and family expenses, standing alone as an object of debt, led to 3.85 per cent of the farm debt in the
Kansas counties by 6.54 per cent of the farm families, and in Ohio to 2.14 per cent of the farm debt by 4.63 per cent
of the farm families.
Real estate purchase, improvements, business, and the purchase of personal property, in combination with farm
and family expenses, led to 19.91 per cent of the farm debt by 18.96 per cent of the farm families in Kansas, and to
6.27 per cent of the farm debt by 5.81 per cent of the farm families in Ohio.
The objects of home debt are less complicated with each other than those of farm debt. In Kansas 74.24 per
cent of the home families incurred 67.60 per cent of the home debt for the purchase of real estate and improvements,
unconnected with other objects, and in Ohio 83.09 per cent of the home families incurred 79.85 per cent of the home
debt for the same class of objects.
OWNERSHIP AND DEBT IN KANSAS AND OHIO. 9
For real estate purchase, improvements, business, and the purchase of personal property, not combined with
other objects, 87.22 per cent of the Kansas home families incurred 87.39 per cent of the home debt, and in Ohio
90.55 per cent of the home families incurred 91.61 per cent of the home debt.
Family expenses caused 2.33 per cent of the home debt by 4.57 per cent of the home families in Kansas and
1.31 per cent of the Ohio home debt by 3.93 per cent of the home families.
Real estate purchase, improvements, business, and the purchase of personal property, in combination with
family expenses, caused 5.93 per cent of the Kansas home debt by 5.49 per cent of the home families, while in Ohio
these objects caused 2.71 per cent of the home debt by 2.55 per cent of the home families.
Of the total home debt 9.66 per cent was incurred for trade, manufacturing, and other business by 6.95 per
cent of the home families in Kansas, and in Ohio this class of objects is represented by 7.60 per cent of the home
debt and by 5.20 per cent of the home families. There is more or less of the object of business, however, in debt
classified under the objects of real estate purchase and improvements. The term personal property is not used hi
its strictly legal sense, and does not include groceries, clothing, medicines, seed wheat, ordinary hardware supplies,
and other articles that are included in the class of farm and family expenses.
SUMMARY.
In bringing together the prominent conclusions that have been developed, it may be said in regard to farms,
farm families, and farm debt in the 10 counties in Kansas that 66.75 per cent of the families own and 33.25 per cent
hire the farms they occupy; that 35.62 per cent of the owning families have no incumbrance on their farms, and
that 64.38 per cent have an incumbrance that is 37.96 per cent of the value of the incumbered farms, bearing the
average rate of interest of 8.12 per cent, which makes the average annual interest charge to each farm family $114 ;
that the average farm owned, incumbered, and cultivated by each family is worth $3,694, and is subject to a debt
of $1,402, and that 70.02 per cent of the farm families incurred 71.23 per cent of the debt to secure purchase money,
to pay for improvements, to invest in business, and to buy various articles of personal property when these objects
are not associated with others.
In regard to Kansas homes, home families, and home debt in the 10 counties it may be said that 51.69 per cent
of the families own and 48.31 per cent hire the homes they occupy ; that 58.81 per cent of the owning families have
no incumbrance on their homes, and that 41.19 per cent have an incumbrance that is 38.95 per cent of the value of
the incumbered homes, bearing the average rate of interest of 8.69 per cent, which makes the average annual
interest charge to each home family $74; that the average home owned, incumbered, and occupied bjr each family
is worth $2,198, and is subject to a debt of $S56, and that 87.22 per cent of the home families incurred 87.39 per
cent of the debt for the objects of real estate purchase, improvements, business, and the purchase of personal
property, unconnected with other objects.
The summary of conclusions for Ohio farms, farm families, and farm debt in the 10 counties is that 62.90 per
cent of the families own and 37.10 per cent hire their farms ; that 79.68 per cent of the owning families have no
incumbrance on their farms, and that 20.32 per cent have an incumbrance that is 36.97 per cent of the value of the
incumbered farms, bearing the average rate of interest of 6.S5 per cent, which makes the average annual interest
charge to each family $97 ; that the average farm owned, incumbered, and cultivated by each family is worth
$3,848, and is subject to a debt of $1,422, and that 82.25 per cent of the farm families incurred S1.96per cent of the
debt for the objects of real estate purchase, improvements, business, and the purchase of personal property when not
found in combination with other objects.
For Ohio homes, home families, and home debt in the 10 counties the summary of conclusions is that 30.36 per
cent of the families own and 69.64 per cent hire their homes; that 78.18 per cent of the owning families have no
incumbrance on their homes, and that 21.82 per cent have an incumbrance that is 42.76 per cent of the value of
the incumbered homes, bearing the average rate of interest of 6.30 per cent, which makes the average annual
interest charge to each family $85 ; that the average home owned, incumbered, and occupied by each family is
worth $3,167, and is subject to a debt of $1,354, and that 90.55 per cent of the home families incurred 91.64 per
cent of the home debt for the objects of real estate purchase, improvements, business, and the purchase of personal
property when not combined with other objects.
18—2
10
FARMS, HOMES, AND MORTGAGES.
Table 1.— KANSAS (10 COUNTIES) AND OHIO (10 COUNTIES)— NUMBER AND PERCENTAGE OF FAMILIES OCCUPYING
OWNED AND HIRED AND FREE AND INCUMBERED FARMS AND HOMES, BY COUNTIES.
STATES AND COUNTIES.
Aggregate.
OWNING.
Hiring.
Unknown.
PERCENTAGE OF FAM-
ILIES OWNING AND
HIRING.
PERCENTAGE OF FAM-
ILIES OWNING FREE
AND INCUMBERED.
Per-
centage
of un-
known
of ag-
gregate.
Total.
Free.
Incum-
bered.
Owning.
Hiring.
Free.
Incum-
bered.
30,745
17,526
7,586
9,940
11,259
1,960
60.89
39.11
43.28
56.72
6.38
Chase
1,688
3,283
4,461
1,937
4,235
4,046
2,330
2,628
2,636
3,501
138,148
956
1,893
2,501
1,085
2,461
2,149
1,293
1,452
1,797
1,939
48,847
503
676
1,084
533
863
871
545
604
1,030
877
38,450
453
1,217
1,417
552
1,598
1,278
748
848
767
1,062
10,397
638
1,135
1,741
739
1,448
1,670
892
971
735
1,290
82,337
94
255
219
113
320
227
145
205
104
272
6,964
59.97
62.52
58.96
59.48
62.96
56.27
59.18
59.93
70.97
60.05
37.24
40.03
37.48
41.04
40.52
37.04
43.73
40.82
40.07
29.03
39.95
62.76
52.62
35.71
43.34
49.12
35.07
40.53
42.15
41.60
57.32
45.23
78.72
47.38
64.29
56.66
50.88
64.93
59.47
57.85
58.40
42.68
54.77
21.28
5.57
Clay :
7.77
4.91
5.83
7.70
5.61
6.22
7.80
3.95
7.77
5.04
5,376
6,335
10,368
7,535
5,487
6,675
78,718
6,361
5,486
5,807
2,903
3,720
4,746
4,045
2,782
3,267
17,838
3,728
2,988
2,830
2,422
3,102
3,635
3,460
2,198
2,751
13,408
3,105
2,247
2,122
481
618
1,111
585
584
516
4,430
623
741
708
2,245
2,319
4,818
2,861
2,343
2,885
57,978
2,264
2,036
2,558
228
206
804
629
362
523
2,902
369
462
419
56.39
61.30
49.62
58.57
54.28
53.10
23.53
62.22
59.47
52.52
43.61
38.70
50.38
41.43
45.72
46.90
76.47
37.78
40.53
47.48
83.43
83.39
76.59
85.54
79.01
■ 84.21
75.17
83.29
75.20
74.98
16.57
16.61
23.41
14.46
20.99
15.79
24.83
16.71
24.80
25.02
4.24
4.20
7.75
8.35
6.60
7.84
3.69
5.80
8.42
7.22
Table 2.— KANSAS (10 COUNTIES) AND OHIO (10 COUNTIES)— NUMBER AND PERCENTAGE OF FAMILIES OCCUPYING
OWNED AND HIRED AND FREE AND INCUMBERED FARMS, BY COUNTIES.
STATES AND COUNTIES.
Aggregate.
OWNING.
Hiring.
Unknown.
PERCENTAGE OF FAM-
ILIES OWNING AND
HIRING.
PERCENTAGE OF FAM-
ILIES OWNING FREE
AND INCUMBERED.
Per-
centage
of un-
known
of ag-
gregate.
Total.
Free.
Incum-
bered.
Owning.
Hiring.
Free.
Incum-
bered.
18,879
11,731
4,178
7,553
5,843
1,305
66.75
33.25
35.62
64.38
6.91
1,043
2,212
3,455
877
2,856
2,583
1,524
1,820
1,658
1,851
30,058
636
1,424
1,557
574
1,755
1,461
891
1,050
1,211
1,172
17,435
270
425
544
226
524
476
301
368
623
421
13,892
366
999
1,013
348
1,231
985
590
682
588
751
3,513
353
615
773
242
854
963
539
613
373
518
10,282
54
173
125
61
247
159
94
157
74
161
2,341
64.31
69.84
35.69
30.16
42.45
57.55
5.18
Clay
29.85
70.15
7.82
66.82 33.18
70.34 ; 29.66
67.27 j 32.73
60.27 39.73
62.31 | 37.69
63.14 ; 36.86
76.45 23.55
69.35 ! 30.65
34.94 65.06
39.37 60.63
5.09
6.96
29.86
32.58
33.78
70.14
67.42
66.22
8.65
6.16
6.17
35.05 ! 64.95
51.45 48.55
35.92 ! 64.08
8.63
4.46
8.70
62.90
37.10
79.68
20.32
7.79
3,338
3,631
2,597
3,679
2,518
2,572
3,347
3,339
2,671
2,366
1,961
2,351
1,364
2,091
1,425
1,424
1,882
2,135
1,523
1,279
1,580
1,893
1,038
1,744
1,096
1,191
1,585
1,698
1,110
957
381
458
326
347
329
233
297
437
413
322
1,191
1,116
961
1,200
886
921
1,230
979
921
877
186
164
272
388
207
227
235
225
227
210
62.21
67.81
37.79
32.19
80.57
80.52
19.43
19.48
5.57
4.52
58.67 41.33
63.54 i 36.46
61.66 38.34
76.10 23.90
83.41 16.59
76.91 ( 23.09
83.64 16.36
84.22 15.78
79.53 1 20.47
10.47
10.55
8.22
60.72
60.48
68.56
62.32
59.32
39.28
39.52
31.44
37.08
40.68
8.83
7.02
6.74
72.88
74.82
27.12
25.18
8.50
8.88
OWNERSHIP AND DEBT IN KANSAS AND OHIO.
11
Table 3.— KANSAS (10 COUNTIES) AND OHIO (10 COUNTIES)— NUMBER AND PERCENTAGE OF FAMILIES OCCUPYING
OWNED AND HIRED AND FREE AND INCUMBERED HOMES, BY COUNTIES.
STATES AND COUNTIES.
.\ggregate.
Free.
Incum-
bered.
Hiring.
Unknown
PERCENTAGE OF FAMI-
LIES OWNING AND
HIEING.
Owning.
Hiring.
PERCENTAGE OF FAMI-
LIES OWNING FREE
AND INCUMBERED.
Free.
Incum-
bered.
Per-
centage
of un-
known
of ag-
gregate.
Kansas (10 counties)
Chase
Clay
Dickinson
Geary
McPherson
Marion
Morris
Ottawa
Eiley
Saline
Ohio (10 counties)
Adams
Brown
Butler
Clermont
Clinton
Greene
Hamilton
Highland
Preble
Warren
11,866
545
1,071
2,006
1,060
1,379
1,463
806
808
978
1,650
108,090
2,038
2,704
7,771
3,856
2,969
4,103
75,371
3,022
2,815
3,441
320
469
944
511
700
688
402
402
586
767
31,412
942
1,369
3,382
1,954
1,357
1,843
15,956
1,593
1,465
1,551
3,408
233
251
540
307
339
395
244
236
407
456
2,387
5,416
655
87
218
404
204
367
293
158
166
179
311
6,854
842
100
1,209
160
2,597
785
1,716
238
1,102
255
1,560
283
1,823
4,133
1,407
186
1,137
328
1,165
386
285
520
968
497
594
707
353
35S
362
772
72,055
1,054
1,233
3,857
1,661
1,457
1,964
56,748
1,285
1,115
1,681
40
82
94
52
79
68
51
48
30
111
4,623
42
102
532
241
155
296
2,667
144
235
209
51.69
52.89
47.42
49.37
50.69-
54.31
49.32
53.25
52.89
61.81
49.84
30.36
47.19
52.61
46.72
54.05
48.22
48.41
21.95
55.35
56.78
47.99
48.31
58.81
47.11
52.58
50.63
49.31
45.69
50.68
46.75
47.11
38.19
50.16
69.64
52.81
47.39
53.28
45.95
51.78
51.59
78.05
44.65
43.22
52.01
72.81
53.52
57.20
60.08
48.02
57.41
60.70
58.71
69.45
59.45
78.18
89.38
88.31
76.79
87.82
81.21
84.64
74.10
88.32
77.61
75.11
41.19
27.19
46.48
42.80
39.92
51.98
42.59
39.30
41.29
30.55
40.55
21.82
10.62
11.69
23.21
12.18
18,79
15.36
25.90
11.68
22.39
24.89
5.52
6.20
7.66
4.69
4.91
5.73
4.65
6.33
5.94
3.07
6.73
4.28
2.06
3.77
6.85
6.25
5.22
7.21
3.54
4.77
8.35
6.07
Table 4.— KANSAS (10 COUNTIES) AND OHIO (10 COUNTIES)— VALUE OF FARMS AND HOMES OCCUPIED BY OWNERS
AND INCUMBERED AND AMOUNT AND PERCENTAGE OF INCUMBRANCE THEREON, BY COUNTIES.
[The numbers of this table do not include any estimate for farms and homes concerning which no report has been received, but probably the percentages
represent more or less closely all of the farms and homes occupied by owners and incumbered in these counties.]
STATES AND COUNTIES.
Kansas (10 counties)..
Chase
Clay
Dickinson....
Geary
McPherson..
Marion
Morris
Ottawa
Riley
Saline
Ohio (10 counties)..
Adams
Brown
Butler
Clermont..
Clinton
Greene
Hamilton..
Highland..
Preble
Warren ....
Number
of fami-
lies
owning
with in-
cum-
brance.
9,940
453
1,217
1,417
552
1,598
1,278
748
848
767
1,062
10,397
481
618
1,111
585
584
516
4,430
623
741
708
Value.
$33,150,424
1,644,317
3,909,327
5,072,272
1,782,465
5,519,425
4,013,703
2,340,445
2,644,119
2,520,562
3,703,789
35,337,986
840,043
1,377,041
3,718,918
1,407,484
2,091,614
1,763,460
18,130,328
1,464,240
2,086,135
2,458,723
Incum-
brance.
312,635,841
616,861
1,585,361
1,865,009
674,308
2,204,961
1,591,663
862,939
1,045,334
777,892
1,411,513
14,321,927
284,161
480,391
1,347,461
521,331
795,328
749,302
7,772,820
583,081
813,714
974,338
Percent-
age of
incum-
brance
of value.
38.12
37.51
40.55
36.77
37.83
39.95
39.66
36.87
39.53
30.86
3S.11
34.89
36.23
37.04
38.02
42.49
42.87
39.82
39.01
39.63
FOR FARMS.
Number
of fami-
lies
owning
with in-
cum-
brance.
1,013
348
1,231
588
751
381
458
326
347
329
233
297
437
413
322
Value.
$27,904,172
1,465,442
3,492,742
4,201,652
1,323,250
4,695,410
3,451,453
2,012,930
2,315,409
2,129,655
2,813,229
13,632,015
725,840
1,194,336
1,857,060
1,032,194
1,663,734
1,266,322
1,517,441
1,235,861
1,478,906
1,660,321
Incum-
brance.
$10,592,416
547,026
1,400,770
1,533,068
496,560
1,860,234
1,359,309
747,947
910,287
653,287
1,083,928
5,039,507
249,469
419,119
678,125
362,973
631,540
528,288
464,996
481,690
585,709
637,598
Percent-
age of
incum-
brance
of value.
37.96
37.33
40.11
36.49
37.53
39.62
39.35
37.16
39.31
30.68
38.53
36.97
31.37
35.09
36.52
35.17
37.96
41.72
30.64
38.98
39.60
38.40
FOR HOMES.
Number
of fami-
lies
owning
with in-
cum-
brance.
2,387
87
218
404
204
367
293
158
166
179
311
6,854
100
160
785
238
255
283
4,133
186
Value.
$5,216,252
$2,043,425
178,875
416,585
870,620
459,215
824,015
559,250
327,515
328,710
390,907
890,560
21,705,971
114,203
182,705
1,861,858
375,290
427,880
497,138
16,612,887
228,379
607,229
798,402
Incum-
brance.
184,591
331,941
177,748
344,727
232,354
114,992
135,047
124,605
327,585
9,282,420
34,692
61,272
669,336
158,358
163,788
221,014
7,307,824
101,391
228,005
336,740
Percent-
age of
incum-
brance
of value.
38.95
39.04
44.31
38.13
38.71
41.84
41.55
35.11
41.08
31.88
36.78
42.76
33.54
35.95
42.20
38.28
44.46
43.99
44.40
37.55
42.18
12
FARMS, HOMES, AND MORTGAGES.
Table 5.— KANSAS (10 COUNTIES) AND OHIO (10 COUNTIES)— NUMBER AND PERCENTAGE OP FAMILIES OCCUPYING
OWNED AND INCUMBERED FARMS AND HOMES AND THE AMOUNT AND PERCENTAGE OF THE VALUE THEREOF
AND OF THE INCUMBRANCE THEREON, BY CLASSIFICATION OF AMOUNTS OF VALUE AND INCUMBRANCE AND BY
COUNTIES.
[The numbers of this table do not include any estimate for farms and homes concerning which no report lias been received, but probably the percentages represent
more or less closely all of the farms and homes occupied by owners and incumbered in these counties.]
TOTAL.
FOR
FARMS.
FOR HOMES.
STATES AND CLASSIFICATION
OP AMOUNTS.
For value.
For incumbrance.
For value.
For incumbrance.
For value.
For incumbrance.
Number
Of
families.
Amount.
Number
of
families.
Amount.
Number
of
families.
Amount.
Number
of
families.
Amount.
Number
of
families.
Amount.
Number
of
families.
Amount.
9,940
$33,150,424
9,940
$12,635,841
7,553
$27,904,172
7,553
$10,592,416
2,387
$5,246,252
2,387
$2,043,425
Under $100
2
16
35
71
114
829
1,045
1,166
1,167
3,697
1,382
384
32
10,397
150
2,287
7,720
22,440
46,465
574,038
1,182,531
1,874,877
2,407,698
12,244,162
8,659,956
5,093,300
1,034,800
35,337,986
96
254
588
646
612
2,915
1,899
1,106
703
896
189
35
1
10,397
5,123
34,439
132,863
205,408
255,541
1,981,645
2,177,134
1,809,401
1,495,504
2,882,034
1,182,639
449,110
25,000
14,321,927
19
82
279
393
365
2,233
1,606
978
615
794
160
29
935
11,061
62,763
124,004
152,183
1,533,857
1,846,302
1,602,799
1,311,259
2,555,409
1,010,234
381,610
2
13
28
55
86
577
444
305
199
453
158
63
4
6,854
150
1,842
6,185
17,320
35,125
390,675
491,925
484,266
405,850
1,424,664
989,150
869,100
130,000
21,705,971
77
172
309
253
247
682
293
128
88
102
29
6
1
6,854
4 188
$100 and under $200
3
7
16
28
252
601
861
968
3,244
1,224
321
28
3,543
445
1,535
5,120
11,340
183,363
690,606
1,390,611
2,001,848
10,819,498
7,670,806
4,224,200
904,800
13,632,015
23,378
70,100
103,358
447,788
330,832
206,602
184,245
326,625
172,405
67,500
25 000
$500 and under $1,000
$1,500 and under $2,000
$2,000 and under $2,500
$2,500 and under $5,000
$5,000 and under $10,000
$10,000 and under $25,000
$25,000 and over
3,543
5,039,507
9,282,420
Under $100 ,
10
62
133
206
200
1 321
618
8,680
29,893
65,672
83,117
914 172
367
747
761
675
618
2,410
1,583
915
722
1,157
375
63
4
20,328
97,502
172,251
218,666
260,829
1,634,795
1,822,232
1,500,223
1,526,281
3,768,855
2,326,508
820,857
152,600
1
22
36
73
60
375
439
332
308
968
670
238
21
98
3,037
7,904
23,146
24,930
259,781
502,337
540,457
646,366
3,276,351
4,371,333
3,177,151
799,124
117
256
251
232
195
810
518
311
264
428
140
19
2
6,636
33,695
57,727
74,226
81,873
513,007
591,777
507,735
559,335
1,417,327
861,641
239,928
64,600
9
40
97
133
140
946
910
853
700
1,785
902
297
42
520
5,643
21,989
42,526
58,187
654,391
1,036,736
1,381,153
1,454,644
5,868,917
5,711,010
3,984,295
1,485,960
250
491
510
443
423
1,600
1,065
604
458
729
235
44
2
13,692
63,807
114,524
144,440
178,956
1,091,788
1,230,455
992,488
966,946
2,351,528
1,464,867
580,929
88,000
$100 and under $200
$200 and under $300
$300 and under $100
$400 and under $500
$500 and under $1,000
$1,000 and under $1,500
1,349 j 1,539,073
1 185 1 921 610
$1,500 and under $2,000
$2,000 and under $2,500
1,008
2,753
1,572
535
63
2,101,010
9,145,268
10,082,343
7,161,446
2,285,084
$2,500 and under $5,000
$5,000 and under $10,000
$10,000 and under $25,000
OWNERSHIP AND DEBT IN KANSAS AND OHIO.
Table 5.— FARM AND HOME CLASSIFIED AMOUNTS— Continued.
13
PERCENTAGES.
Total.
STATES AND CLASSIFICATION
OF AMOUHTS.
Kansas (10 counties)..
Under $100
$100 and under $200
$200 and under $300
$300 and under $100
$100 and under $500
$500 and under $1,000
$1,000 and under $1,500 ....
$1,500 and under $2,000....
$2,000 and under $2,500 ....
$2,500 and under $5,000....
$5,000 and under 810,000 ...
$10,000 and under $25,000 .
$25,000 and over
For value.
For num-
ber of
families.
100.00
0.02
0.16
0.35
0.72
1.15
8.34
10.51
11.73
11.71
37.19 !
13.91
3.86
0.32
For
amount.
Ohio (10 counties)..
0.01
0.02
0.07
0.14
1.73
3.57
5.C6
7.26
36.94
26.12
15.36
3.12
100.00 100.00
For incumbrance.
For num-
ber of
families.
100.00
Under $100
$100 and under $200
$200 and under $300
$300 and under $100
$100 and under $500
$500 and under $1,000
$1,000 and under $1,500....
$1,500 and under $2,000 ....
$2,000 and under $2,500 ....
$2,500 and under $5,000....
$5,000 and under $10,000 ...
$10,000 and under $25,000 .
$25,000 and over
0.10
0.60
1.28
1.98
1.92
12.70
12.97
11.40
9.69
26.48
15.12
5.15
0.61
0.02
0.08
0.19
0.23
2.59
4.35
5.44
5.95
25.88
28.53
20.27
6.47
0.97
2.55
5.92
6.50
6.16
29.33
19.10
11.13
7.07
9.01
1.90
0.35
0.01
100.00
For
amount.
100.00
3.53
7.18
7.32
6.49
5.94
23.18
15.23
8.80
6.94
11.13
3.61
0.61
0.04
0.04
0.27
1.05
1.63
2.02
15.68
17.23
14.32
11.84
22.81
9.36
3.55
0.20
100.00
For farms.
For value.
For num-
ber of
families.
100. 00
0.14
0.68
1.20
1.53
1.82
11.41
12.72
10.48
10.66
26.32
16.24
5.73
1.07
0.04
0.09
0.21
0.37
3.34
7.96
11.40
12.82
42.95
16.20
4.25
0.37
For
amount.
100.00
0.01
0.02
0.04
0.66
2.48
4.98
7.17
38.77
27.49
15.14
3.24
For incumbrance.
For num-
ber of
families.
For
amount
For homes.
For value.
100.00 100.00
100.00 100.00
0.03
0.62
1.02
2.06
1.69
10.59
12.39
9.37
8.69
27.32
18.91
6.72
0.59
0.02
0.06
0.17
0.18
1.91
3.69
3.96
4.74
24.03
32.07
23.31
5.86
0.25
1.09
3.69
5.20
4.83
29.57
21.26
12.95
8.14
10.51
2.12
0.39
100.00
3.30
7.23
7.08
6.55
5.50
22.86
14.62
8.78
7.45
12.08
3.95
0.54
0.06
0.01
0.10
0.59
1.17
1.44
14.48
17.43
15.13
12.38
24.13
9.54
3.60
For num-
ber of
families.
100.00
100.00
0.13
0.67
1.15
1.47
1.62
10.78
11.74
10.08
11.10
28.12
17.10
4.76
1.28
0.08
0.55
1.17
2.30
3.60
24.17
18.60
12.78
8.34
18.98
6.62
2.64
0.17
100.00
For
amount.
100.00
For incumbrance.
For num-
ber of
families.
100.00
0.13
0.59
1.42
1.94
2.04
13.80
13.28
12.45
10.21
26.04
13.16
4.33
0.61
0.03
0.12
0.33
0.67
7.45
9.38
9.23
7.74
27.15
18.85
16.57
2.48
100.00
0.03
0.10
0.20
0.27
3.01
4.78
6.36
6.70
27.04
26.31
18.35
6.85
3.23
7.21
12.95
10.60
10.35
28.57
12.27
5.36
3.69
4.27
1.21
0.25
0.04
100.00
For
amount.
100.00
3.65
7.16
7.44
0.46
6.17
23.35
15.54
8.81
6.68
10.64
3.43
0.64
0.03
0.21
1.14
3.43
3.98
5.06
21.91
16.39
10.11
9.02
15.99
8.44
3.30
1.22
100.00
0.15
0.69
1.23
1.56
1.93
11.76
13.25
10.69
10.42
25.33
15.78
6.26
0.95
14
FARMS, HOMES, AND MORTGAGES.
Table 6.— KANSAS (10 COUNTIES) AND OHIO (10 COUNTIES)— NUMBER OF FAMILIES OCCUPYING OWNED AND
INCUMBERED FARMS AND HOMES AND AMOUNT AND PERCENTAGE OF INCUMBRANCE THEREON, BY RATES
OF INTEREST AND BY COUNTIES.
[Rates of interest represented by mixed numbers are combined into groups; for instance, rates represented by "1-2" per cent include mixed rates greater than 1
per cent and less than 2 per cent. The numbers of this table do not include any estimate for farms and homes concerning which no report has been
received, but probably the percentages represent more or less closely all of the farms and homes occupied by owners and incumbered in these counties.]
KANSAS.
Total (10 counties).
0 percent...
1-2 percent...
2 per cent...
2-3 percent...
3 percent...
3-1 percent...
4 percent...
4-5 percent...
5 per cent...
5-6 percent...
6 percent...
6-7 percent...
7 percent...
7-8 per cent...
8 per cent...
8-9 percent...
9 percent...
9-10 per cent...
10 percent...
10-11 per cent..
11 percent..
11-12 per cent..
12 per cent..
12-13 percent..
13 per cent..
13-14 per cent..
14 percent..
14-15 per cent..
15 per cent..
15-16 per cent..
16 percent..
16-17 per cent..
17 percent..
17-18 percent..
18 percent..
20 percent..
20-21 per cent..
21 percent..
22 percent..
24 per cent..
26 per cent..
33 per cent..
36 per cent..
Number
of
families.
9,940
11
1
1
1
4
4
2
4
16
4
554
172
1,318
514
3,086
873
1,432
259
1,079
118
316
17
3
7
0
7
9
1
1
4
i
11
2
2
1
2
11
1
1
1
Incumbrance.
812,635,841
9,490
950
2,000
400
5,600
5,325
3,000
8,510
28,464
9,940
677,087
377,656
1,504,370
1,010,553
3,936,051
1,454,132
1,796,724
450,999
788,812
218,407
34,347
53,340
182,279
20,692
2,500
8,452
4,155
7,115
7,756
830
2,500
800
3,880
4,404
3,540
488
620
35
1,000
2,325
4,000
1,963
350
Percent-
age of
incum-
brance.
0.07
0.01
0.02
0.04
0.04
0.02
0.07
0.23
0.08
5.36
2.99
11.91
8.00
31.15
11.51
14.22
3.57
6.24
1.73
0.27
0.42
1.44
0.16
0.02
0.07
0.03
0.06
0.06
0.01
0.02
0.01
0.03
0.03
0.03
0.01
0.02
0.03
0.02
FOE FARMS.
Number
of
families.
1
1
4
2
2
4
11
1
479
161
1,078
455
2,464
775
1,225
209
429
85
12
20
81
9
1
5
3
4
5
1
2
1
2
2
6
Incumbrance.
810,592,416
6,730
2,000
_400
5,600
3,600
3,000
8,510
26,100
1,200
609,104
342,076
1,276,969
917,194
3,346,807
1,281,058
1,588,576
397,546
409,713
175,183
17,431
36,497
85,740
14,680
1,400
5,602
2,930
4,400
3,630
830
2,350
800
2,100
2,800
2,660
Percent-
age of
incum-
brance.
620
617
4,000
1,963
100.00
0.06
0.02
0.05
0.03
0.03
0.08
0.25
0.01
5.75
3.23
12.06
8.66
31.60
12.09
15.00
3.75
3.87
1.65
0.16
0.34
0.81
0.14
0.01
0.05
0.03
0.04
0.03
0.01
0.02
0.01
0.02
0.03
0.03
FOB HOMES.
Number
of
families.
0.01
0.01
0.04
0.02
2,387
75
11
240
59
622
98
207
50
650
33
27
18
235
8
2
2
3
3
4
Incumbrance.
$2,043,425
2,760
950
1,725
2,364
8,740
67,983
35,580
227,401
93,359
589,244
173,074
208,148
53,453
379,099
43,224
16,916
16,843
96,539
6,012
1,100
2,850
1,225
2,715
4,126
150
1,780
1,604
488
35
1,000
1,708
Percent-
age of
incum-
brance.
350
100.00
0.13
0.05
0.12
0.43
3.33
1.74
11.13
4.57
28.84
8.47
10.19
2.62
18.55
2.12
0.83
0.82
4.72
0.29
0.05
0.14
0.06
0.13
0.20
0.09
0.08
0.04
0.02
0.05
0.08
0.02
OWNERSHIP AND DEBT IN KANSAS AND OHIO.
15
Table 6.— KANSAS (10 COUNTIES) AND OHIO (10 COUNTIES)— NUMBER OF FAMILIES OCCUPYING OWNED AND
INCUMBERED FARMS AND HOMES AND AMOUNT AND PERCENTAGE OF INCUMBRANCE THEREON, BY RATES OF
INTEREST AND BY COUNTIES— Continued.
OHIO.
Total (10 counties)
0 per cent...
1 percent...
1-2 percent...
2 percent...
2-3 per cent...
3 percent...
3— 4 per eent. ...
4 percent...
4-5 percent...
5 percent...
5-6 percent...
6 percent....
6-7 percent....
7 percent....
7-8 percent....
8 per cent....
8-9 per cent....
9 percent....
9-10 per cent....
10 percent....
10-11 per cent....
11 percent....
11-12 per cent....
12 per cent....
12-13 per cent....
13-14 per cent. ..
14 percent....
15 percent....
16 percent....
20 percent....
21-22 per cent....
Number
of
families.
10,397
62
1
1
1
2
5
2
39
11
195
67
,991
339
,347
238
:,813
105
78
9
60
5
5
1
10
1
1
2
3
1
1
1
Incumbrance.
514,321,927
54,855
300
2,200
5,550
3,200
4,593
5,425
73,620
28,143
381,552
155,474
7,814,510
874,431
2,132,148
501,900
2,05S,205
63,662
51,929
5,027
49,457
7,579
2,825
1,250
5,110
300
2,800
900
2,200
2,000
300
482
Percent-
age of
incum-
brance.
0.38
0.02
0.04
0.02
0.03
0.04
0.51
0.20
2.66
1.09
54.77
6.11
14.89
3.50
14.37
0.44
0.36
0.04
0.35
0.05
0.02
0.01
0.04
0.02
0.01
0.02
0.01
FOR FABM8.
Number
of
families.
3,543
18
10
1
32
9
1,098
133
654
101
1,458
7
7
1
10
Incumbrance.
$5,039,507
17,463
2,200
1,700
19,740
3,200
65,226
20,992
1,594,695
428,328
1,321,521
287,323
1,259,303
4,980
4,549
2,598
5,489
Percent-
age of
incum-
brance.
0.35
0.04
0.03
0.39
0.06
1.30
0.42
31.64
8.50
26.22
5.70
24.99
0.10
0.09
0.05
0.11
0.01
FOR HOMES.
Number
of
families.
6,854
44
1
1
1
5
2
29
10
163
58
3,893 .
206
693
137
1,355
50
5
5
1
8
1
1
2
3
1
1
1
Percent-
Incumbrance. .age of
incum-
brance.
89,282,420
37,392
300
5,550
1,500
4,593
5,425
53,880
24,943
316,326
131, 4S2
6,249,815
446,103
810,627
214,577
798,902
58,682
47,380
2,429
43,968
7,579
2,825
1,250
4,910
300
2,800
900
2,200
2,000
300
482
100.00
0.06
0.02
0.05
0.06
0.58
0.27
3.41
1.15
67.33
4.81
8.73
2.31
8.61
0.63
0.51
0.03
0.47
0.08
0.03
0.01
0.05
0.03
0.01
0.03
0.02
0.01
16
FAEMS, HOMES, AND MOETGAGES.
Table 7.— KANSAS (10 COUNTIES) AND OHIO (10 COUNTIES)— AMOUNT OF ANNUAL INTEREST CHARGE AND AVERAGE
VALUE, INCUMBRANCE, ANNUAL INTEREST CHARGE, AND ANNUAL RATE OF INTEREST FOR FARMS AND HOMES
OCCUPIED BY OWNERS AND INCUMBERED, BY COUNTIES.
[The numbers of this table do not include any estimate for farms and homes concerning which no report has been received, but probably the averages represent
more or less closely all of the farms and homes occupied by owners and incumbered in these counties.]
STATES AND COUNTIES.
Kansas (10 counties) .
Chase
Clay
Dickinson....
Geary
McPherson..
Marion
Morris
Ottawa
Eiley
Saline
AVERAGE VALUE OF
EACH INCUMBERED —
Total.
83,335
3,630
3,212
3,580
3,229
3,454
3,141
3,129
3,118
3,286
Ohio (10 counties) 3,:
Adams
Brown
Butler
Clermont..
Clinton ....
Greene
Hamilton
Highland-
Preble
Warren
1,746
2,228
3,347
2,406
3,582
3,418
4,093
2,350
2,815
3,473
Farm.
S3, 694
4,004
3,496
4,148
3,802
3,814
3,507
3,412
3,395
3,622
3,746
3,818
1,905
2,608
5,697
2,975
5,057
5,435
5,109
2,828
3,581
5,156
Home.
$2,198
2,056
1,911
2,155
2,251
2,245
1,909
2,073
1,980
2,184
2,864
3,167
1,142
1,142
2,372
1,577
1,678
1,757
4,020
1,228
1,851
2,068
AVERAGE INCUM-
BRANCE ON EACH-
Total.
1,271
1,362
1,303
1,316
1,222
1,380
1,245
1,154
1,233
1,014
1,329
1,378
591
777
1,213
891
1,362
1,452
1,755
936
1,098
1,376
Farm.
SI, 402
1,495
1,402
1,513
1,427
1,511
1,380
1,268
1,335
1,111
1,443
1,422
655
915
2,080
1,046
1,920
2,267
1,566
1,102
1,418
1,980
Home.
803
847
822
871
939
793
728
814
696
1,053
1,354
347
383
853
665
642
781
,768
545
695
872
TOTAL ANNUAL INTEREST
CHARGE—
Total.
$1,038,176
50,746
131,261
149,310
52,964
182,158
132,084
70,269
88,379
62,801
118,204
930,178
20,158
34,618
94,271
35,867
55,878
52,769
473,262
42,245
55,820
65,290
For
farms.
5860,608
44,531
114,672
120,069
38,504
152,217
111,060
60,490
75,870
52,675
89,920
345,400
17,674
30,113
45,872
25,171
44,160
36,902
28,877
35,018
39,539
42,074
For
homes.
S177,568
6,215
16,589
28,641
14,460
29,941
21,024
9,779
12,509
10,126
28,284
584,778
2,484
4,505
48,399
10,696
11,718
15,867
444,385
7 227
16,281
23,216
AVERAGE ANNUAL IN-
TEREST CHARGE ON
EACH —
S104
112
108
105
96
114
103
94
104
82
111
89
Farm.
$114
42
56
85
61
96
102
107
68
75
92
122
115
119
111
124
113
103
111
90
120
97
Home.
46
66
141
73
134
158
97
80
96
131
$74
25
28
62
45
46
56
108
39
50
60
AVEBAGE ANNUAL
RATE OP INTEREST —
Total.
8.22
8.23
8.28
8.01
7.85
8.26
8.30
8.14
8.45
8.07
8.37
6.49
For
farms.
8.12
7.09
7.21
7.00
6.88
7.03
7.04
6.09
7.25
6.86
6.70
8.14
8.19
7.87
7.75
8.18
8.17
8.09
8.33
8.06
8.30
6.85
For
homes.
7.08
7.18
6.76
6.93
6.99
6.99
6.21
7.27
6.75
6.60
8.69
8.90
8.99
8.63
8.14
8.69
9.05
8.50
9.26
8.13
8.63
6.30
7.16
7.35
7.23
6.75
7.15
7.18
6.08
7.13
7.14
6.89
OWNERSHIP AND DEBT IN KANSAS AND OHIO.
17
Table 8.— KANSAS (10 COUNTIES) AND OHIO (10 COUNTIES)— NUMBER OF FAMILIES OCCUPYING OWNED AND
INCUMBERED FARMS AND HOMES AND AMOUNT OF INCUMBRANCE THEREON, BY OBJECTS OF INDEBTEDNESS
AND BY COUNTIES.
[The numbers of this table do not include any estimate for farms and homes concerning which no report has been received, but probably the percentages of
Table 9 represent more or less closely all of the farms and homes occupied by owners and incumbered in these counties.]
STATES AND COUNTIES.
Kansas (10 counties)
Chase
Clay
Dickinson
Geary
McPherson
Marion
Morris
Ottawa
Riley
Saline
Ohio (10 counties)
Adams
Brown
Butler
Clermont
Clinton
Greene
Hamilton
Highland
Preble
Warren
Number
of
families.
9,910
453
1,217
1,417
552
1,598
1,278
748
848
767
1,062
10,397
481
618
1,111
585
584
516
4,430
623
741
708
Incumbrance.
$12,635,841
616,861
1,585,361
1,865,009
674,308
2,204,961
1,591,663
862,939
1,045,334
777,892
1,411,513
14,321,927
PURCHASE OF EEAL
ESTATE.
Number
of
families.
4,092
284,161
480,391
1,347,461
521,331
795,328
749,302
7,772,820
583,081
813,714
974,338
186
459
637
221
625
652
284
286
332
•110
5,728
Number
Incumbrance. of
families.
REAL ESTATE IMPROVE-
MENTS.
55,112,689
340
389
670
36-1
323
304
2,075
229,044
637,231
808,689
294,206
821,845
749,056
320,485
376,716
322,059
553,358
7,603,247
1,148
209,432
317,814
842,297
29S.962
450,647
451,961
3,531,080
345,675
531,778
623,601
42
132
174
72
209
109
98
58
115
139
1,924
31
48
186
71
67
64
1,234
45
77
101
Incumbrance.
$844,497
21,558
94,985
131,939
53,320
158,227
74.3S0
62,772
40,811
67,467
139,038
2,274,436
5.5S5
16,019
146,583
57,892
51 ,698
38,637
1,822,915
19,334
35,621
80,152
PURCHASE AND IM-
PROVEMENTS (IN
COMBINATION WITH
EACH OTHER).
Number
of
families.
694
30
94
103
39
102
101
70
47
53
55
729
6
• 30
55
16
33
25
460
21
45
TRADE, MANUFACTUR-
ING, AND OTHER
BUSINESS.
Number
Incumbrance. | of
families.
$1,122,093
46,808
163,783
185,777
50,885
192,833
139,337
99,239
70,861
80,636
91,934
1,301,180
5,650
41,471
74,011
21,545
57,704
38,866
947,384
21,336
50,278
42,935
10
27
42
18
38
28
17
17
16
14
24
47
24
37
22
187
16
22
31
Incum-
brance.
¥326,192
6,810
27,790
65,501
19,475
58,551
36,283
17,521
20,176
18,575
55,510
820,800
11,931
18,802
61,137
21,618
47,771
43,358
541,023
12,570
18,175
44,415
18—3
18
STATES AND COUNTIES.
FARMS, HOMES, AND MORTGAGES.
Table 8.— FARM AND HOME OBJECTS— Continued.
TO BUY FARM IM-
PLEMENTS, MA-
CHINES AND DOMES-
TIC ANIMALS, AND
OTHER PERSONAL
PROPERTY.
PURCHASE, IMPROVE-
MENTS, BUSINESS,
AND TO BUY PER-
SONAL PROPERTY
(IN COMBINATION
"WITH ONE
ANOTHER).
Number
of fami-
lies.
Kansas (10 counties)
Chase
Clay
Dickinson
Geary
McPherson
Marion
Morris
Ottawa
Riley
Saline
Ohio (10 counties)....
Adams
Brown
Butler
Clermont
Clinton
Greene
Hamilton
Highland
Preble
Warren
23
25
31
17
43
29
16
29
20
18
57
Incum-
brance.
223,210
10
6
2
6
6
1
5
9
6
6
28,208
22,010
24,030
11,245
41,545
34,126
11,985
28,750
10,220
11,091
20,512
1,117
864
585
1,415
1,972
120
4,350
1,606
4,528
3,955
Number
of fami-
lies.
940
$1,702,236
48
113
130
46
194
117
80
79
54
79
258
6
16
29
21
14
16
90
18
24
24
Incum-
brance.
120,757
192,780
248,478
102,825
342,629
228,900
141,665
117,038
90,871
116,293
617,151
11,000
16,955
51,029
31,537
26,326
66,225
301,091
33,808
34,977
41,203
PURCHASE, IMPROVE-,
MENTS, BUSINESS,
AND TO BUY PER-
SONAL PROPERTY
(IN COMBINATION |
■WITH OBJECTS
OTHER THAN FARM
AND FAMILY EX-
PENSES).
Number
of fami-
lies.
1
20
14
9
23
26
1
13
10
17
112
2
8
16
12
11
9
25
10
9
10
Incum-
brance.
$256,174
29,200
25,180
40,787
44,958
500
22,600
16,775
35,725
281,964
875
6,305
48,383
13,975
29,220
48,900
77,006
25,491
9,735
22,074
PURCHASE, IMPROVE-
MENTS, BUSINESS,
AND TO BUY PER-
SONAL PROPERTY
(IN COMBINATION
"WITH FARM AND
FAMILY EXPENSES).
Number
of fami-
lies.
1,563
$2,230,594
71
227
161
83
240
149
106
200
122
204
381
Incum-
brance.
25
24
40
19
27
23
119
32
44
28
105,988
285,854
244,192
84,565
401,095
229,652
148,916
267,269
145,099
317,964
566,864
FARM AND FAMILY
EXPENSES.
Number
of fami-
lies.
Incum-
brance.
ALL OTHER
OBJECTS.
603
16,590
27,299
69,091
28,120
31,752
16,218
211,997
35,355
83,523
46,919
21
81
92
34
76
43
56
85
37
433
25
44
41
25
32
31
126
40
30
39
$455,221
11,701
71,917
74,611
18,707
65,376
28,936
39,860
60,445
21,178
02,490
229,193
8,585
10,227
24,770
8,657
12,875
11,855
86,350
31,914
15,859
18,101
Number
of fami-
lies.
21
39
33
13
48
24
20
34
8
29
22
29
25
27
34
21
109
39
16
29
Incum-
brance.
$362,935
44,847
49,702
52,582
13,900
82,073
26,035
19,996
40,668
5,012
28,110
606,580
13,396
24,635
29,575
34,610
85,363
33,162
249,624
55,992
29,240
50,983
OWNERSHIP AND DEBT IN KANSAS AND OHIO.
19
Table 9.— KANSAS (10 COUNTIES) AND OHIO (10 COUNTIES)— PERCENTAGE OF FAMILIES OCCUPYING OWNED AND
INCUMBERED FARMS AND HOMES AND OF AMOUNT OF INCUMBRANCE THEREON, BY OBJECTS OF INDEBTEDNESS
AND BY COUNTIES.
[The numbers of this table do not include any estimate for farms and homes concerning which no report has been received, but probably the percentages
represent more or less closely all of the farms and homes occupied by owners and incumbered in these counties.]
STATES A.ND
COUNTIES.
PURCHASE OF REAL
ESTATE.
REAL ESTATE
IMPROVEMENTS.
PURCHASE AND
IMPROVEMENTS (IN
COMBINATION
WITH EACH OTHER).
TRADE, MANUFAC-
TURING, AND OTHER
BUSINESS.
TO BUY FARM IM-
PLEMENTS, MACHINES
AND DOMESTIC
ANIMALS, AND OTHER
PERSONAL PROPERTY.
PURCHASE, IMPROVE-
MENTS, BUSINESS,
AND TO BUY PER-
SONAL PROPERTY (IN
COMBINATION WITH
ONE ANOTHER).
-
For num-
ber of
families.
For
incum-
brance.
For num-
ber of
families.
For
incum-
brance.
For num-
ber of
families.
For
incum-
brance.
For num-
ber of
families.
For
incum-
brance.
For num-
ber of
families.
For
incum-
brance.
For num-
ber of
families.
For
incum-
brance.
Kansas (10 counties).
41.17
40.46
11.55
6.69
6.98
8.88
2.47
2.58
2.52
1.77
9.46
13.47
41.06
37.72
44.95
40.04
39.11
51.02
37.97
33.73
43.29
38.61
55.09
37.13
40.19
43.36
43.63
37.27
47.06
37.14
36.04
41.40
39.20
53.09
9.27
10.85
12.28
13.04
13.08
8.53
13.10
6.84
14.99
13.09
18.51
3.49
5.99
7. OS
7.91
7.18
4.67
7.27
3.90
8.67
9.85
15.88
6.62
7.72
7.27
7.07
6.38
7.90
9.36
5.54
6.91
5.18
7.01
7.59
10.33
9.96
7.55
8.75
8.75
11.50
6.78
10.37
6.51
9.08
2.21
2.22
2.96
3.26
2.38
2.19
2.27
2.00
2.09
3.11
4.08
1.10
1.75
3.51
2.89
2.66
2.28
2.03
1.93
2.39
3.93
5.73
5.08
2.05
2.19
3.08
2.69
2.27
2.14
3.42
2.61
1.69
0.55
4.57
1.39
1.29
1.67
1.88
2.14
1.39
2.75
1.81
0.79
0.14
Clay
Ottawa
Eiley
9.29
9.18
8.33
12.14
9.16
10.70
9.32
7.04
7.44
2.48
12.16
13.32
15.25
15.54
14.38
16.41
11.20
11.68
8.24
4.31
70.69
62 95
73.70
66 16
6.44
7.77
16.74
12.14
11.47
12.40
27.86
1.97
3.34
10. S3
11.10
6.50
5.16
23.45
3.32
4.38
8.23
1.25
4.85
4.95
2.73
5.65
4.85
10.38
3.37
6.07
5.37
1.99
8.63
5.49
4.13
7.26
5.19
12.19
3.66
6.18
4.41
2.91
3.88
4.23
4.10
6.34
4.26
4.22
2.57
2.97
4.38
4.20
3.91
4.54
4.15
6.01
5.79
6.96
2.16
2.23
4.56
2.08
0.97
0.18
1.03
1.03
0.19
0.11
1.44
0.81
0.85
0.39
0.18
0.01
0.27
0.25
0.01
0.06
0.28
0.56
0.41
1.25
2.59
2.61
3.59
2.40
3.10
2.03
2.S9
3.24
3.39
3.87
3.53
3.79
6.63
3.31
8.84
3.87
5.80
4.30
4.23
60 31 62 51
62.22 | 57.35
55.31 j 56,66
58.92 60.32
46 84 ■ 45 43
Greene
Preble
Warren
63.16 ' 65.35 j 10.39
56.78 j 64.00 , 14.26
1
20
FARMS, HOMES, AND MORTGAGES.
Table 9.— PERCENTAGE OF FARM AND HOME OBJECTS— Continued.
STATES AND
COUNTIES.
PURCHASE, IMPROVE-
MENTS, BUSINESS,
AND TO BUY PER-
SONAL PROPERTY (IN
COMBINATION WITH
OBJECTS OTHER THAN
FARM AND FAMILY
EXPENSES).
; PURCHASE, IMPROVE-
MENTS, BUSINESS,
| AND TO BUY" PER-
SONAL PROPERTY (IN
COMBINATION WITH
FARM AND FAMILY
EXPENSES).
FARM AND FAMILY'
EXPENSES.
ALL OTHER OBJECTS.
TOTAL OF FIRST
THREE COLUMNS OF
THIS TABLE.
TOTAL OF FIRST
SIX COLUMNS OF THIS
TABLE.
For num-
ber of
families.
For
incum-
brance.
For num-
ber of
families.
For
incum-
brance.
For num-
ber of
families.
For
incum-
brance.
For num-
ber of
families.
For
incum-
brance.
For num-
ber of
families.
For
incum-
brance.
For num-
ber of
families.
For
incum-
brance.
Kansas (10 counties).
1.35
2.03
15.72
17.65
6.07
3.60
2.71
2.87
59.70
56.03
74.15
73 T85
0.22
1.64
0.99
0.19
2.48
1 57
15.67
18 65
17.18
4.63
6.66
6.49
6.16
4.76
3.36
7.49
10.02
4.82
7.34
4.16
1.90
4.54
4.00
2.77
2.96
1.82
4.62
5.78
2.72
4.43
1.60
4.64
3.20
2.33
2.35
3.00
1.88
2.67
4.01
1.04
2.73
3.38
7.27
3.14
2.82
2.06
3.72
1.64
2.32
3.89
0.65
1.99
4.24
56.95
56.29
64.50
60.15
58.57
67.45
60.43
46.11
65.19
56.88
80.61
48.21
56.51
60.40
59.09
53.20
60.48
55.91
46.72
60.44
55.56
78.05
74.84
69.85
78.83
74.82
75.78
81.07
75.54
60.85
76.93
69.12
87.72
73.46
71.81
78.52
78.90
73.28
79.28
75.74
62.60
75.82
68.52
88.23
Clay
11.36 ' 13.09
15.04 ' 12.54
i
1.44
2.03
0.13
1.53
1.30
1.60
1.08
1.85
2.83
0.06
2.16
2.16
2.53
1.97
11.66
14.17
23.59
15.91
19.21
3.66
14.43
17.26
25.57
18.65
22.53
3.96
Riley
0.41
1.30
1.44
2.05
1 88
0.31
1.31
3.59
2.68
3 67
5.20
3.88
3.60
3.25
4.62
4.46
2.69
5.14
5.94
3.95
5.84
5.68
5.13
5.39
3.99
2.16
2.73
6.06
10.26
4.81
5.20
7.12
3.69
4.27
5.48
6.01
2.84
6.42
4.05
5.51
3.02
2.13
1.84
1.66
1.62
1.58
1.11
5.47
1.95
1.86
4.57
4.69
2.25
4.62
5.82
4.07
2.46
6.26
2.16
4.10
4.71
5.13
2.19
6.64
10.73
4.42
78.38
75.57
82.00
77.09
72.43
76.17
77.66
78.13
78.88
72.58
70.42
70.67
81.07
66.26
75.91
76.64 j
84.62
83.01
89.02
85.81
82.20
83.72
91.44
80.57
86.64
85.03
86.12
85.75
87.25
83.63
79.99
85.31
91.96
74.50
83.00
85.84
Butler
1 74 fl S3
0.57
1.61
1.21
1.41
0.99
4.37
1.20
2.26
Preble
3.59
5.23
79.62
76.41
OWNERSHIP AND DEBT IN KANSAS AND OHIO.
21
Table 10.— KANSAS (10 COUNTIES) AND OHIO (10 COUNTIES)— NUMBER OF FAMILIES OCCUPYING OWNED AND
INCUMBERED FARMS AND AMOUNT OF INCUMBRANCE THEREON, BY OBJECTS OF INDEBTEDNESS AND BY
COUNTIES.
[The numbers of this table do not include any estimate for farms concerning which no report has been received, but probably the percentages of Table 11
represent more or less closely all of the farms occupied by owners and incumbered in these counties.]
STATES AND COUNTIES.
Number
of
families.
Incumbrance.
PURCHASE OF REAL
ESTATE.
Number
of
families
Incumbrance.
REAL ESTATE IMPROVE-
MENTS.
Number
of
families.
Incumbrance.
PURCHASE AND IM-
PROVEMENTS (IN
COMBINATION "WITH
EACH OTHER).
Number
of
families.
Incumbrance.
TRADE, MANUFACTUR-
ING, AND OTHER
BUSINESS.
Number
of
families.
Incum-
brance.
Kansas (10 counties) .
Chase
Clay
Dickinson....
Geary
McPherson..
Marion
Morris
Ottawa
Eiley
Saline
Ohio (10 counties)..
Adams
Brown
Butler
Clermont..
Clinton
Greene
Hamilton..
Highland..
Preble
Warren
7,553
810.592,416
3,122
84,355,282
366
999
1,013
348
1,231
985
590
682
588
751
381
458
326
347
329
233
297
437
413
322
547,026
1,400,770
1,533,068
496,560
1,860,234
1,359,309
747,947
910,287
653,287
1,083,928
5,039,507
157
372
438
154
497
506
228
213
260
297
213,699
563,783
667,412
246,960
705,465
642,143
279,164
320,239
268,572
447,845
3,295,707
249,469
419,119
678,125
362,973
631,540
528,288
464,996
481,690
585,709
637,598
280
310
223
234
209
161
165
282
277
211
193,104
283,270
462,827
228,623
380,553
363,178
247,421
294,242
396,053
446,436
508
16
83
74
23
80
52
52
32
53
43
12
20
15
24
25
11
44
15
24
12
8402,870
10,659
65,996
52,847
16,000
73,920
46,564
39,985
27,249
28,610
41,040
199,357
1,975
9,822
15,500
25,325
31,626
11,542
63,884
7,464
10,419
21,800
8939,605
25
81
82
21
76
76
53
39
43
5
20
9
7
14
12
19
13
23
10
41,900
145,483
170,089
33,150
151,224
116,140
76,559
62,313
75,457
67,290
271,791
5,515
34,309
33,800
14,260
42,500
30.056
45,352
16,112
32,086
17,801
2
6
15
4
15
9
7
9
9
4
68
6
12
6
5
6
3
6
9
7
8
8128,807
2,200
5,950
25,850
7,150
28,325
18,308
9,275
13,976
10,925
6,848
115,088
2,915
13,650
11,340
4,800
27,023
5.500
14,611
8,349
5,250
21,650
22
FARMS, HOMES, AND MORTGAGES.
Table 10.— FARM OBJECTS— Continued.
STATES AND COUNTIES.
Kansas (10 counties)..
Chase
Clay
Dickinson....
Geary
McPherson..
Marion
Morris
Ottawa
Eiley
Saline
Ohio (10 counties)..
Adams
Brown
Butler
Clermont..
Clinton
Greene
Hamilton..
Highland .
Preble
Warren
TO BUY FARM IM-
PLEMENTS, MA-
CHINES AND DOMES-
TIC ANIMALS, AND
OTHER PERSONAL
PROPERTY.
PURCHASE, IMPROVE-
i; MENTS, BUSINESS,
! AND TO BUY PER-
! SONAL PROPERTY
(IN COMBINATION
WITH ONE
ANOTHER).
Number
of fami-
lies.
22
24
28
11
39
25
12
23
20
15
41
Incum-
brance.
Number
of fami-
lies.
222 8211,954
825
28,008
21,760
23,580
11,000
39,865
33,500
10,300
23,455
10,220
10,266
13,350
1,042
740
85
1,415
247
42
100
116
33
170
104
75
70
46
69
119
Incum-
brance.
81,506,529
800
1,506
3,610
3,905
5
14
15
15
11
8
9
16
15
11
91,787
174,140
229,898
77,460
308,129
202,838
134,415
107,073
80,296
100,493
235,151
PURCHASE, IMPROVE-!
MENTS, BUSINESS,
AND TO BUY PER-
SONAL PROPERTY
(IN COMBINATION
WITH OBJECTS
OTHER THAN FARM
AND FAMILY EX-
PENSES).
Number
of fami-
lies.
116
10,400
14,355
37,250
27,488
20,126
35,075
11,600
31,772
28,155
18,930
1
19
13
7
19
23
1
12
7
14
11
10
7
7
5
6
Incum-
brance.
$212,074
1,140
38,009
29,000
11,180
33,912
34,008
500
21,400
14,475
28,450
171,221
PURCHASE, IMPROVE-
MENTS, BUSINESS,
AND TO BUY PER-
SONAL PROPERTY
(IN COMBINATION
"WITH FARM AND
FAMILY EXPENSES).
FARM AND FAMILY
EXPENSES.
875
6,305
31,273
9,950
21,320
46,900
8,000
19,224
6,500
20,874
Number
of fami-
lies.
1,432
$2,109,369
66
215
140
64
228
143
96
181
112
187
206
Incum-
brance.
25
19
21
13
19
13
15
17
103,141
275,282
223,262
69,853
387,281
225,147
142,493
240,674
140,074
302,162
315,727
Number
of fami-
lies.
16,590
25,584
53,234
21,970
26,932
11,237
25,615
31 ,705
70,826
32,034
164
Incum-
brance.
§407,686
14
9,645
70
64,517
77
69,238
19
12,607
65
61,515
31
21,536
46
35,260
75
57,595
32
19,958
65
55,815
107,917
21
8,091
25
7,359
13
15,754
10
7,689
10
4,930
8
5,000
13
13,775
28
22,315
10
7,760
20
15,244
ALL OTHER
OBJECTS.
Number
of fami-
lies.
222
21
29
30
9
42
16
20
28
189
Incum-
brance.
$318,240
44,847
45,850
41,892
11,200
70,598
19,125
19,996
36,313
4,700
23,719
314,198
16
8,962
25
23,725
12
17,062
17
21,453
26
76,283
10
19,800
20
33,938
32
49,001
11
25,050
20
38,924
OWNERSHIP AND DEBT IN KANSAS AND OHIO.
23
Table 11.— KANSAS (10 COUNTIES) AND OHIO (10 COUNTIES)— PERCENTAGE OF FAMILIES OCCUPYING OWNED AND
INCUMBERED FARMS AND OF AMOUNT OF INCUMBRANCE THEREON, BY OBJECTS OF INDEBTEDNESS AND BY
COUNTIES.
[The numbers of this table do not include any estimate for farms concerning which no report has been received, but probably the percentages represent more or
less closely all of the farms occupied by owners and incumbered in these counties.]
STATES AND
COUNTIES.
PURCHASE OF REAL
ESTATE.
REAL ESTATE
IMPROVEMENTS.
PURCHASE AND
IMPROVEMENTS (IN
COMBINATION
WITH EACH OTHER).
TRADE, MANUFACTUR-
ING, AND OTHER
BUSINESS.
TO BUY FARM IMPLE-
MENTS, MACHINES
AND DOMESTIC ANI-
MALS, AND OTHER
PERSONAL PROPERTY.
PURCHASE, IMPROVE-
MENTS, BUSINESS,
AND TO BUY PER-
SONAL PROPERTY (IN
COMBINATION WITH
ONE ANOTHER).
For num-
ber of
families.
For
incum-
brance.
For num-
ber of
families.
For
incum-
brance.
For num-
ber of
families.
For
incum-
brance.
For num-
ber of
families.
For
incum-
brance.
1
For num- For
berof incum-
families. brance.
For num-
ber of
families.
For
incum-
brance.
Kansas (10 counties)..
41.33
41.12
6.73
3. SO
7.01
8.87
1.06
1.22
2.94
2.00
10.92
11.22
42 90
39.07
40.25
43.53
49.73
37.92
17.21
37 39
4.37
8.31
7.31
6.61
6.50
5.28
1.95
1.71
3.15
3.22
3.97
3.43
5 35
6.83
8.11
8.10
6.04
6.18
7.72
8 98
7.66
10.39
11.09
6.68
8.13
8.54
10.21
6.85
11.55
6.21
5.39
0.55
0.60
1.48
1.15
1.22
0.91
1.19
1.32
1.53
0.53
1.92
0.40
0.13
1.69
1.44
1.52
1.35
1.24
1.53
1.67
0.63
2.28
6.01
2.40
2.76
4.02
3.17
2.51
2.03
3.37
3.40
2.00
1.16
5.12
1.55
1.51
2.21
2.11
2.47
1.38
2.58
1.56
0.95
0.26
11.18
10.01
11.15
9.18
13.81
10.56
12.71
10.26
7.82
9.19
3.36
16.78
12.13
15.00
15.60
16.57
11.92
17.97
11.76
12.29
9.27
1.67
Clay
Dickinson
Geary
McPhersou
Marion
37.21
13.21
44.25
40.37
51.37
38 65
Ottawa
Riley
31.23 35.18
41.22 11.11
39 55 41 29
1.69
9.02
5.73
5.70
2.99
1.3S
3.78
3.96
5.72
7.31
66.38
65.10
3.73
73 19
77 11
1.31
1.37
2.76
2.02
1.26
5.15
6.40
2.98
5.57
3.11
2.21
8.19
1.99
3.93
6.73
5.69
9.75
3.35
5.18
2.79
1.58
2.62
1.81
1.11
1.82
1.29
2.02
2.06
1.70
2.18
1.17
3.26
1.67
1.32
4.28
1.04
3.11
1.73
0.90
3.10
2.36
1.09
0.31
1.73
0.61
0.42
0.18
0.01
0.39
0.01
1.31
3.06
1.60
1.32
3.34
3.13
3.03
3.66
3.63
3.12
1.17
3.12
5.19
7.57
3.19
6 61
67.68
Butler
68.11 68.25 1.60
67.43 62.99 , 6.92
63.53 60.26 ! 7.60
69.10 68.71 II 4.72
2.29
6.98
5.01
2.18
13.71
1.55
1.78
3.12
55.56
61.53
67.07
65.53
53.21
61.09
67.62
70.02
11.81
3.43
5.81
3.73
0.31
1.83
0.97
1.55
0.17
0.31
0.61
0.61
2.50
6.60
4.81
2.97
24
FARMS, HOMES, AND MORTGAGES.
Table 11.— PERCENTAGE OF FARM OBJECTS— Continued.
STATES AND
COUNTIES.
PURCHASE, IMPROVE-
MENTS, BUSINESS,
AND TO BUY PER-
SONAL PROPERTY (IN
COMBINATION WITH
OBJECTS OTHER
THAN FARM AND
FAMILY EXPENSES).
PURCHASE, IMPROVE-
MENTS, BUSINESS,
AND TO BITS" PER-
SONAL PROPERTY (IN
COMBINATION WITH
FARM AND FAMILY
EXPENSES).
FARM AND FAMILY
EXPENSES.
ALL OTHER OBJECTS.
TOTAL OF FIRST
THREE COLUMNS OF
THIS TABLE.
TOTAL OF FIRST
SIX COLUMNS OF THIS
TABLE.
For num-
For
For num-
For
For num-
For
For num-
For
For num-
For
For num-
For
ber of
incum-
ber of
incum-
ber of
incum-
ber of
incum-
ber of
incum-
ber of
incum-
families.
brance.
families.
brance.
families.
brance.
families.
brance.
families.
brance.
families.
brance.
Kansas (LO counties)..
1.54
2.00
18.96
19.91
6.54
3.85
2.94
3.01
55.10
53.79
70.02
71.23
0.27
1.90
0.21
2.71
18.03
21.52
18.85
19.65
3.82
7.01
1.76
4.61
5.74
2.90
8.20
3.27
54.10
53.66
48.68
55.35
72.14
66.67
70.98
Clay
69.76
1.28
2.01
1.89
2.25
13.82
18.39
14.56
14.07
7.60
5.46
4.52
2.54
2.96
2.59
2.73
2.26
58.65
56.90
58.07
59.63
74.34
71.55
76.30
78.88
1.54
18.52
14.52
20.82
16.56
5.28
3.15
3.31
1.58
3.41
1.62
3.80
1.11
53.05
64.37
50.02
59.21
71.25
78.38
70.25
2.33
2.50
77.95
0.17
0.07
16.27
19.05
7.80
4.71
3.39
2.67
56.44
52.91
72.37
73.50
Ottawa
1.76 2.35
26.54 | 26.44
11.00
6.33
4.11
3.99
41.64
45.02
56.59
60.89
Riley
1.19 2.22
19.05 | 21.44
5.44
3.06
1.02
0.72
60.55
57.04
73.30
72.56
1.86 2.62
1.98 3.40
24.90 27.88
8.65
4.63
5.15
2.14
2.80
5.33
2.19
6.23
50.07
75.81
51.31
74.75
61.79
82.25
62.16
5.81
6.27
81.96
0.53
0.35
6.56
6.65
5.51
3.24
4.20
3.59
77.95
80.41
83.20
86.17
1.74
3.37
1.50
4.61
4.15
6 10
5.46
3.99
1.76
2.32
5.46
3.68
5.66
2.52
76.42 .
75.77
78.12
75.53
83.19
82.52
84.98
6.44 7.85
82.70
2.88
2.74
3.75 | 6.05
4.61
2.12
4.90
5.91
76.37
73.90
83.86
83.18
2.13
3.37
5.77 4.26
3.04
0.78
7.90
12.08
75.39
72.00
81.16
79.51
3.01
8.88
5.58 ! 2.13
3.43
0.95
4.29
3.75
78.97
76.61
83.69
84.29
1.68
1.37
1.45
2.48
1.72
3.99
1.11
3.27
5.05 5.51
6.41 6.5.8
4.38
6.41
2.42
6.21
2.96
4.63
1.32
2.39
6.73
7.32
2.66
6.21
7.30
10.17
4.2S
6.11
76.77
70.94
78.45
72.37
76.70
65.99
74.88
76.23
82.16
78.49
84.75
79.82
82.51
74.63
8.72
5.28
12.09
5.02
81.20
83.21
OWNERSHIP AND DEBT IN KANSAS AND OHIO.
25
Table 12.— KANSAS (10 COUNTIES) AND OHIO (10 COUNTIES)— NUMBER OF FAMILIES OCCUPYING OWNED AND
INCUMBERED HOMES AND AMOUNT OF INCUMBRANCE THEREON, BY OBJECTS OF INDEBTEDNESS AND BY
COUNTIES.
[The numbers of this table do not include any estimate for homes concerning which no report has been received, but probably the percentages of Table 13
represent more or less closely all of the homes occupied by owners and incumbered in these counties.]
STATES AND COUNTIES.
Kansas (10 counties)
Chase
Clay
Dickinson
Geary
McPherson
Marion
Morris
Ottawa
Riley
Saline
Ohio (10 counties)
Adams
Brown
Butler
Clermont
Clinton
Greene
Hamilton
Highland
Preble
Warren
18—4
Number
offami- Incumbrance,
lies.
2,387
87
218
404
204
367
293
158
166
179
311
6,854
100
160
785
238
255
283
,133
186
328
$2,043,425
69,835
184,591
331,941
177.748
344,727
232,354
114,992
135,047
124,605
327,585
9,282,420
34,692
61,272
669,336
158.&58
163,788
221,014
7,307,824
101,391
228,005
336,740
PURCHASE OF REAL
ESTATE.
REAL ESTATE IM-
PROVEMENTS.
Number
of fami-
lies.
970
29
87
199
67
128
146
56
73
72
113
3,376
60
79
447
130
114
143
1,910
111
191
191
Incumbrance.
$757,407
15,345
73,448
141,277
47,246
116,380
106,913
41,321
56.477
53,487
105,513
4,307,540
16,328
34,544
379,470
70,339
70,094
88,783
3,283,659
51,433
135,725
177,165
Number
of fami-
lies.
26
49
100
49
129
57
40
26
62
96
1,722
19
28
171
47
42
53
1,190
30
53
89
Incumbrance.
$441,627
10,899
28,989
79,092
37,320
84,307
27,816
22,787
13,562
38,857
97,998
2,075,079
3.610
6,197
131,083
32,567
20,072
27,095
1,759,031
11,870
25,202
58,352
PURCHASE AND IM-
PROVEMENTS (IN COM-
BINATION WITH EACH
OTHER).
TRADE, MANUFACTUR-
ING, AND OTHER
BUSINESS.
Number Number
offami- Incumbrance, i of fami-
lies, lies.
5
13
21
18
26
25
17
8
10
19
1
10
46
9
19
13
441
8
22
28
$1S2,488
4,908
18,300
15,688
17,735
41,609
23,197
22,680
8,548
5,179
24,644
1,029,389
135
8
7,162
12
40,211
41
7,285
19
15,204
31
8,810
19
902,032
181
5,224
7
18,192
15
25,134
23
8
21
27
14
23
19
10
8
7
29
356
Incum-
brance.
$197,385
4,610
21,840
39,651
12,325
30,226
17,975
8,246
6,200
7,650
48,662
705,712
9,016
5,152
49,797
16,818
20,748
37,858
526,412
4,221
12,925
22,765
26
FARMS, HOMES, AND MORTGAGES.
Table 12.— HOME OBJECTS— Continued.
TO BUY PERSONAL
PROPERTY.
STATES AND COUNTIES.
PURCHASE, IMPROVE-
PURCHASE, IMPROVE- MENTS, BUSINESS,
MENTS, BUSINESS, AND TO BUY PER-
AND TO BUY PER- SONAL PROPERTY (IN
SONAL PROPERTY (rN COMBINATION WITH
COMBINATION "WITH OBJECTS OTHER
ONE ANOTHER). THAN FAMILY EX-
PENSES).
Kansas (10 counties) .
Chase
Clay
Dickinson...
Geary
McPherson .
Marion
Morris
Ottawa
Riley
Saline
Ohio (10 counties) .
Adams
Brown
Butler
Clermont..
Clinton
Greene
Hamilton-
Highland..
Preble
Warren
Number
of
families.
Incum-
brance.
$11,256
200
250
450
245
1,680
626
1,685
5,295
PURCHASE, IMPROVE-
MENTS, BUSINESS,
AND TO BUY PER-
SONAL PROPERTY (IN
COMBINATION
WITH FAMILY EX-
PENSES).
FAMILY EXPENSES.
ALL OTHER
OBJECTS.
Number
of
families.
825
7,162
75
124
500
1,725
120
3,550
100
918
50
6
13
14
13
24
13
5
9
8
10
139
1
2
14
6
81
2
9
13
Incum-
brance.
§195,707
28,970
18,640
18,580
25,365
34,500
26,062
7,250
9,965
10,575
15,800
382,000
Number
of
families.
IS
600
2,600
13,779
7,049
6,200
31,150
2S9.491
2,036
6,822
22,273
4
2
20
4
3
2
Incum-
brance.
844,100
1,300
200
14,000
6,875
10,950
Number
of
families.
131
1,200
2,300
7,275
110,743
17,110
4,025
7,900
2,000
69,006
6,267
3,235
1,200
5
12
21
19
12
6
10
19
10
17
175
5
19
6
8
10
104
4
8
11
Incum-
brance
5121,225
2,847
10,572
20,930
14,712
13,814
4,505
6,423
26,595
5,025
15,802
251,137
Number
of
families.
109
1,715
15,857
6,150
4,820
4,981
186,382
3,650
12,697
14,885
7
11
15
15
11
12
10
10
5
13
Incum-
brance.
$47,535
4
19
28
9
22
23
113
12
20
19
2,056
7,400
5,373
6,100
3,861
7,400
4,600
2,850
1,220
6,675
121,276
Number
of
families.
9,016
968
7,945
6,855
72,575
9,599
8,099
2,857
47
10
3
4
6
8
Incum-
brance.
162
6
4
13
10
S
11
89
7
5
9
$44,695
3,852
10,700
2,700
11,475
6,910
4,355
312
4,391
292,382
4,434
910
12,513
13,157
9,080
13,362
215,686
6,991
4,190
12,059
OWNERSHIP AND DEBT EST KANSAS AND OHIO.
27
Table 13.— KANSAS (10 COUNTIES) AND OHIO (10 COUNTIES)— PERCENTAGE OF FAMILIES OCCUPYING OWNED AND
INCUMBERED HOMES AND OF AMOUNT OF INCUMBRANCE THEREON, BY OBJECTS OF INDEBTEDNESS AND BY
COUNTIES.
[The numbers of this table do not include any estimate for homes concerning which no report has been received, but probably the percentages represent
more or less closely all of the homes occupied by owners and incumbered in these counties.]
STATES AND
COUNTIES.
PURCHASE OF REAL
ESTATE.
REAL ESTATE
IMPROVEMENTS.
PURCHASE AND
IMPROVEMENTS (IN
COMBINATION
WITH EACH OTHER).
TRADE, MANUFAC-
TURING, AND OTHER
BUSINESS.
TO BUY PERSONAL
PROPERTY.
PURCHASE, IMPROVE-
MENTS, BUSINESS,
AND TO BUY PER-
SONAL PROPERTY (IN
COMBINATION WITH
ONE ANOTHER).
For num-
ber of
families.
For
incum-
brance.
For num-
ber of
families.
For
incum-
brance.
For num-
ber of
families.
For
incum-
brance.
For num-
ber of
families.
For
incum-
brance.
For num-
ber of
families.
For
incum-
brance.
For num-
ber of
families.
For
incum-
brance.
Kansas (10 counties).
40.64
37.06
26.81
21.61
6.79
8.93
6.95
9.66
1.21
0.55
4.82
9.58
33.33
39.91
49.26
21.97
39.79
42. 5fi
29.88
22.48
24.75
24.02
35.15
19.45
29.11
15.66
15.61
15.70
23.83
20.99
24.45
11.97
19.82
10.04
5.75
5.96
5.20
8.83
7.08
8.53
10.76
4.82
5.59
6.11
8.71
7.03
9.91
4.73
9.98
12.07
9.98
19.72
6.33
4.16
7.52
11.09
9.19
9.63
6.68
6.86
6.27
6.48
6.33
4.82
3.91
9.33
5.20
6.60
11.83
11.94
6.93
8.77
7.74
7.17
4.59
6.14
14.86
7.60
1.15
0.46
0.74
1.47
1.09
1.37
2.53
3.62
0.29
0.14
0.14
0.14
0.49
0.27
1.47
3.92
6.90
5.96
3.47
6.37
6.54
4.44
3.17
5.42
4.47
3.22
2.03
41.48
Clay
10.10
5.60
32 84 26.58
14.27
34.88 i 33.76
49.83 46.01
10.01
11.22
Eiley
35.44
43.98
35.93
41.82
42.92
32.21
46.41
6.30
7.38
8.49
36.33
49.26
30.87 29.92
25.12 22.35
0.96
0.23
0.25
0.08
4.82
4.11
Butler
60.00
49.37
56.94
54 62
47.06
56.38
56.69
44.42
42.80
40.17
44.94
50.73
59.53
52.61
19.00
17.50
21.78
19.75
16.47
18.73
28.79
16.13
16.16
23.06
10.41
10.11
19.58
20.57
12.26
12.26
24.07
11.71
11.05
17.33
1.00
6.25
5.86
3.78
7.45
4.59
10.67
4.30
6.71
7.25
0.39
11.69
6.01
4.60
9.28
3.99
12.34
5.15
7.98
7.46
8.00
7.50
5.22
7.99
12.16
6.71
4.38
3.76
4.57
5.96
25.99
8.41
7.44
10.62
12.67
17.13
7.20
4.16
5.67
0.76
1.00
0.63
0.13
0.22
0.20
0.07
1.00
1.25
1.78
2.52
1.17
2.83
1.96
1.08
2.74
3.37
1.73
4.24
2.06
4.45
Greene
44.70
50.53
46.21
59.68
58.23
49.48
1.57
0.35
0.10
0.54
0.61
0.26
1.05
0.05
0.05
0.10
0.40
0.02
3.79
14.09
3.%
Preble
2.01
2.99
6.61
2S
FARMS, HOMES, AND MORTGAGES.
Table 13.— PERCENTAGE OF HOME OBJECTS— Continued.
•
STATES AND
COUNTIES.
PURCHASE, IMPROVE-
MENTS, BUSINESS,
AND TO BUY PER-
SONAL PROPERTY (IN
COMBINATION WITH
OBJECTS OTHER THAN
FAMILY EXPENSES).
PURCHASE, IMPROVE-
MENTS, BUSINESS,
AND TO BUY PER-
SONAL PROPERTY (IN
COMBINATION WITH
FAMILY EXPENSES).
FAMILY EXPENSES.
ALL OTHER OBJECTS.
TOTAL OF FIRST
THREE COLUMNS OF
THIS TABLE.
TOTAL OF FIRST
SIX COLUMNS OF THIS
TABLE.
For num-
ber of
families.
For
incum-
brance.
For num-
ber of
families.
For
incum-
brance.
For num-
ber of
families.
For
incum-
brance.
For num-
ber of
families.
For
incum-
brance.
For num-
ber of
families.
For
incum-
brance.
For num-
ber of
families.
For
incum-
brance.
Kansas (10 counties).
0.75
2.16
5.49
5.93
4.57
2.33
1.97
2.19
74.24
67.60
87.22
87.39
Chas
5.75
5.50
5.20
9.32
3.27
2.05
6.33
11.45
5.59
5.47
2.55
4.08
5.73
6.30
8.28
4.01
1.94
5.59
19.69
4.03
4.82
2.71
8.05
5.05
3.71
7.35
3.00
4.10
6.33
6.02
2.79
4.18
3.93
2.94
4.01
1.62
3.43
1.12
3.19
4.00
2.11
0.9S
2.04
1.31
68.96
68.35
79.21
65.69
77.11
77.81
75.31
64.46
80.45
73.31
83.09
44.61
65.40
71.12
57.55
70.28
67.96
75.47
58.19
78.26
69.65
79.85
86.20
84.40
90.10
80.39
91.01
90.10
87.34
78.32
88.83
86.82
90.55
92.98
0.46
0.25
0.98
1.09
1.02
0.70
0.06
7.88
1.99
4.71
4.59
0.74
1.96
1.63
2.73
2.09
3.22
1.52
3.33
2.97
87.47
88.80
78.89
89.55
87.19
90.41
0.60
1.67
0.96
0.61
0.89
1.85
2.22
1.19
3.61
1.12
2.57
2.36
3.23
0.25
1.34
3.15
74.08
92.89
89.58
Ohio (10 counties)
91.64
4.00
11.88
3.57
3.78
8.63
S.13
2.74
6.45
6.10
4.92
1.42
4.68
1.35
0.61
4.85
3.10
0.99
9.47
3.55
0.85
6.00
2.50
1.66
4.20
3.14
3.89
2.15
3.76
1.52
2.33
12.78
1.49
1.87
8.31
5.54
6.05
2.95
6.89
1.84
3.58
80.00
73.12
84.58
78.15
68.62
73.85
85.67
80.11
81.10
79.79
57.86
78.18
82.28
69.59
64.34
56.42
81.35
67.59
78.56
77.40
90.00
82.50
91.71
88.66
83.52
83.74
92.11
85.49
89.02
89.38
85.80
3.12
2.42
2.52
3.14
3.53
2.52
2.15
2.44
2.85
2.80
2.37
3.88
2.94
2.25
2.55
3.60
5.57
4.42
91.03
Butler
0.61
0.84
1.57
0.71
0.48
2.15
0.92
0.52
2.56
2.54
4.82
0.91
0.95
6.18
1.42
0.36
91.85
84.66
81.85
87.69
92.56
73.86
87.62
90.79
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