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Full text of "Extra census bulletin"

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Apr. 1892 
ja. 1394 




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Digitized by the Internet Archive 

in 2010 with funding from 

Boston Public Library 



http://www.archive.org/details/extracensusbulle30unit 



Extra Census Bulletin. 

No. 30, WASHINGTON, D. c. January 24, 1893. 

STATISTICS OF FARMS, HOMES, AND MORTGAGES. 

OWNERSHIP AND DEBT IN MARYLAND. 



DEPARTMENT OF THE INTERIOR, 

Census Office, 

Washington, D. O, January 13, 1893. 
Sir: 

The leading results of the investigation of farm and home proprietorship in Maryland are contained in this 
bulletin. In regard to farms, the conclusion is that 37.23 per cent of the farm families hire and 62.77 per cent 
own the farms cultivated by them ; that 30.01 per cent of the farm-owning families own subject to incumbrance 
and 69.99 per cent own free of incumbrance. Among 100 farm families, 37 hire their farms, 19 own with 
incumbrance, and 44 without incumbrance. On the owned farms of this state there are liens amounting to 
$12,753,827, which is 38.49 per cent of their value, and this debt bears interest at the average rate of 5.79 per 
cent, making the average annual interest charge $95 to each family. Each owned and incumbered farm, on the 
average, is worth $4,251, and is subject to a debt of $1,636. 

The corresponding facts for homes are that 68.13 per cent of the home families hire and 31.87 per cent own 
their homes ; that of the home-owning families 74.37 per cent own free of incumbrance and 25.63 per cent with 
incumbrance. In 100 home families, on the average, 68 hire their homes, 8 own with incumbrance, and 24 
without incumbrance. The debt on owned homes aggregates $12,305,449, or 39.94 per cent of their value, and 
bears interest at the average rate of 5.85 per cent, so that the annual amount of interest to each home averages 
$55. An average debt of $937 incumbers each home, which has an average value of $2,346. 

There are 3 cities in the state having a population of 8,000 and less than 100,000 (Cumberland, population 
12,729 ; Frederick, population 8,193 ; Hagerstown, population 10,118), and in these cities 61.54 per cent of the 
home families hire and 38.46 per cent own their homes, and of the home-owning families 32.99 per cent own with 
incumbrance and 67.01 per cent own free of incumbrance. In 100 home families, on the average, are found 61 
that hire their homes, 13 that own with incumbrance, and 26 that own without incumbrance. The liens on the 
owned homes are 37.02 per cent of the value of those subject to lien. Several averages show that the rate of 
interest is 5.65 per cent; value of each owned and incumbered home, $2,855 ; lien on the same, $1,057, and yearly 
interest chai-ge on each home, $60. 

In Baltimore, which is the only city in the state having a population of more than 100,000 people, 73.94 per 
cent of the home families hire and 26.06 per cent own their homes ; 24.38 per cent of the home-owning families 
have incumbrance on their homes and 75.62 per cent own and occupy homes free of incumbrance. Among 100 
home families, on the average, 74 hire, 6 own with incumbrance, and 20 without incumbrance. The value of the 
owned and incumbered homes of this city is $12,468,091, and they are subject to an incumbrance of $5,488,021, 
or 44.02 per cent of their value. Averages for each owned and incumbered home : incumbrance, $999 ; value, 
$2,270 ; interest charge for 1 year, $58 ; rate of interest, 5.82 per cent. 

Real estate purchase and improvements, when not associated with other objects, caused 78.06 per cent of the 
farm families to incur 80.33 per cent of the farm debt and 81.04 per cent of the home families to incur 78.48 per 
cent of the home debt. 

Very respectfully, 

ROBERT P. PORTER, 

Superintendent of Census. 
The Secretary of the Interior. 

C. O. F— 3,500 



STATISTICS OF FARMS, HOMES, AND MORTGAGES. 

OWNERSHIP AND DEBT IN MARYLAND. 



BY GEORGE K. HOLMES AND JOHN S. LORD. 



Selections from the results of the investigation of farm and home proprietorship and indebtedness in Maryland 
are presented in this bulletin. Every family in the state is regarded as occupying a farm or a home not on a farm, 
and as hiring such farm or home, or owning it free of incumbrance, or owning it subject to incumbrance. In the 
class last named, and in no other, account has been taken of the incumbrance, its rate of interest and object, and 
the value of the farm or home. 

Habitation proprietorship. — Among the 202,179 families of the state there are 124,962, or 61.81 per cent of 
the total, which hire their farms and homes, and 77,217, or 38.19 per cent, which own them. Of the families which 
own, 20,927, or 27.10 per cent, have farm or home incumbrance, and 56,290, or 72.90 per cent, are free of incumbrance. 
In 100 families, on the average, 61.81 hire their farms and homes, 10.35 own with incumbrance, and 27.84 own 
without incumbrance. 

Farm proprietorship. — There are 41,372 farm families in Maryland, which is 20.46 per cent of the total 
number of families. Of these, 25,969, or 62.77 per cent, own and 15,403, or 37.23 per cent, hire the farms cultivated 
by them, while of the owning families 7,794, or 30.01 per cent, have incumbrance on their farms, and 18,175, or 69.99 
per cent, have no incumbrance. The average 100 farm families are composed of 37.23 that hire, 18.84 that own 
with incumbrance, and 43.93 that own without incumbrance. Details for the counties are in Table 1. 

The following table shows an apparent increase in farm tenancy from 30.95 per cent in 1880 to 37.23 per cent in 
1890. The sources of the statistics for 1880 and 1890 are not the same, since the figures for 1880 represent farms 
and those for 1890 farm families, and any conclusions drawn from a comparison of these 2 years in this table may 
be somewhat erroneous. 

FARM PROPRIETORSHIP, 1880 AND 1890, BY COUNTIES. 







Number 




Number 


Percent- 


Percent- 


Percent- 


Percent- 


COUNTIES. 


of owned 


of farm- 


of hired 
farms. 


of farm- 
hiring 


age of 
owned 


age of 
farm-own- 


age of 
hired 


age of 
farm-hir- 






families, 


families, 


farms, 


ing fami- 


farms, 


ing fami- 






1890. 




1890. 


1880. 


lies, 1890. 


1880. 


lies, 1890. 




27,978 


25,969 


12,539 


15,403 


69.05 


62.77 


30.95 


37.23 














70.93 


27.41 


29.07 




1,044 


1,093 


554 


809 


65.33 


57.47 


34.67 


42.53 




3,144 


3,085 


936 


1,174 


77.06 


72.43 


22.94 


27.57 


Baltimore city 


2 


58 


1 


139 


66.67 


29.44 


33.33 


70.56 


Calvert 


550 


515 


332 


485 


62.36 


51.50 


37.64 


48.50 


Caroline 


929 
2,615 


753 
2,372 


601 
583 


600 
873 


60.72 
81.77 


55.65 

73.10 


39.28 

18.23 


44.35 
26.90 




Cecil 


1,241 


993 


487 


646 


71.82 


60.59 


28.18 


39.41 




813 


663 


595 


574 


57.74 


53.60 


42.26 


46.40 




1,194 


960 


830 


845 


58.99 


53.19 


41.01 


46.81 




2,778 


2,471 


936 


1,121 


74.80 


68.79 


25.20 


31.21 


Garrett 


983 


1,137 


238 


293 


80.51 


79.51 


19.49 


20.49 




1,927 


1,754 


547 


509 


77.89 


77.51 


22.11 


22.49 




867 


874 


280 


376 


75.59 


69.92 


24.41 


30.08 


Kent 


440 


399 


457 


535 


49.05 


42.72 


50.95 


57. 2S 




1,394 


1,496 


397 


478 


77.83 


75.79 


22.17 


24.21 






1,004 


486 


801 


71.23 


55.62 


28.77 


44.38 








593 


719 


53.64 


43.56 


46.36 


56.44 


St. Mary 


661 


567 


551 


714 


54.54 


44.26 


45.46 


55.74 




990 


988 


447 


422 


68.89 


70.07 


31.11 


29.93 


Talbot 


679 


598 


385 


457 


63.82 


56.68 


36.18 


43.32 


Washington 


1,350 


1,293 


663 


783 


67.06 


62.28 


32.94 


37.72 




1,060 


985 


641 


852 


62.32 


53.62 


37.68 


46.38 




856 


851 


783 


991 


52.23 


46.20 


47.77 


53.80 





Home proprietorship. — The 160,807 home families are 79.54 per cent of the families of the state, and are 
divided into the several classes, as follows : Hiring families, 109,559, or 68.13 per cent of the total number of home 

3 



4 FARMS, HOMES, AND MORTGAGES. 

families ; owning families, 51,2-18, or 31.87 per cent ; families owning free of incumbrance, 38,115, or 74.37 per cent 
of the total number owning ; families owning subject to incumbrance, 13,133, or 25.63 per cent of the owning 
families. Of 100 home families, on the average, 68.13 hire their homes, 8.17 own with incumbrance, and 23.70 
own without incumbrance. Table 2 shows details for the counties. 

City homes are hired in a greater degree than is found outside of cities. In the 3 cities of the state having 
a population of 8,000 to 100,000 there are 6,084 home families, of which 3,744, or 61.54 per cent, hire and 2,340, or 
38.46 per cent, own their homes. Homes subject to incumbrance are occupied by 772 owning families, or 32.99 
per cent of the total owning families, and 1,568 families, or 67.01 per cent of the owning families, have no home 
incumbrance. In 100 of these city home families, on the average, 61.54 hire their homes, 12.69 own with 
incumbrance, and 25.77 own without incumbrance. The home proprietorship of these cities will he found in 
Table 3. 

In Table 4 the home proprietorship of Baltimore is exhibited by wards. This city has a population of 434,439, 
and is the only one in the state having a population greater than 100,000. Of the 86,457 home families of this 
city, 63,926, or 73.94 per cent, hire their homes and 22,531, or 26.06 per cent, own their homes. Of the owning 
families, 17,039, or 75.62 per cent, have no incumbrance on their homes and 5,492, or 24.38 per cent, own subject 
to incumbrance. Among 100 families, on the average, 73.94 hire their homes, 19.71 own free of incumbrance, and 
6.35 own with incumbrance. The smallest degree of home owning is found in ward 11, where 16.47 families in 
100 own their homes, and the highest is found in ward 7, where the owning families are 39.49 in 100. 

In the state outside of the 4 cities referred to 61.36 per cent of the home families hire and 38.64 per cent 
own their homes; 26.04 per cent of the home-owning families own with incumbrance and 73.96 per cent without 
incumbrance, while among 100 home families, on the average, 61.36 hire their homes, 10.06 own subject to 
incumbrance, and 28.58 own free of incumbrance. 

Value and incumbrance. — Liens amounting to $25,059,276 incumber the 20,927 owned farms and homes of 
the state that are subject to incumbrance, $12,753,827 of which is on 7,794 farms and $12,305,449 on 13,133 homes. 
The value of the incumbered farms and homes is $63,949,013; farms, $33,135,792; homes, $30,813,221. Eatios of 
debt to value : farms and homes, 39.19 per cent ; farms, 38.49 per cent ; homes, 39.94 per cent. The county figures 
for value and incumbrance are in Table 5, the figures for the homes of the 3 cities in Table 6, and for Baltimore 
in Table 7. 

A debt of $815,858 incumbers 772 owned homes of the 3 cities containing a population of 8,000 to 100,000, 
and these incumbered homes are worth $2,203,768, so that the debt is 37.02 per cent of the value. The 5,492 
owned and incumbered homes of Baltimore are worth $12,468,091, and are incumbered with a debt of $5,488,021, 
or to the extent of 44.02 per cent of their value. The debt incumbering the owned homes in the state outside of 
the 4 cities is 37.18 per cent of the value of the homes subject to the incumbrance. 

Classification of amounts of value and incumbrance. — In the 2 following tables percentages represent 
various classes of farm and home values and incumbrances, and the numbers from which these percentages are 
derived are iu Tables 8 and 9. It is to be remembered that these tables are confined to farms and homes occupied 
by owners and incumbered and to the occupying families. 

PERCENTAGE OF FAMILIES OCCUPYING OWNED AND INCUMBERED FARMS AND HOMES, AND OF 
THE VALUE THEREOF AND OF THE INCUMBRANCE THEREON, BY CLASSIFICATION OF AMOUNTS 
OF VALUE AND OF INCUMBRANCE, FOR THE STATE. 



CLASSIFICATION OF AMOUNTS. 




FOE FARMS. 




FOE HOMES. 


For value. 

j 


For incumbrance. 


For value. 


For incumbrance. 


For 
number 

of 
families. 


For 
amount. 


For 
number 

of 
families. 


For 
amount. 


For 
number 

of 
families. 


For 
amount. 


For 
number 

of 
families. 


For 
amount. 




4.82 
15.96 


0.35 
2.18 
1.83 
10.33 
20.34 
31.70 
67.15 
35.45 
7.84 


26.46 
48.73 
22.27 
30.06 
14.85 
5.22 
6.36 
1.14 
0.01 


4.13 
13.14 

9.01 
27.81 
30.00 
19.92 
29.05 

9.13 

0.21 


11.55 
36.41 
24.86 
37.38 
14.76 
7.58 
11.45 
3.87 
0.56 


1.53 
8.78 
7.25 
23.23 
19.90 
20.58 
48.09 
27.51 
9.03 


46.84 
72.11 
25.27 
19.69 
5.73 
2.00 
2.47 
0.47 
0.04 


12.17 
29.82 
17.65 
29.86 
20.05 
13.39 
20.27 
6.88 
1.05 


Under $1,000 












... 20.72 






9.95 









OWNERSHIP AND DEBT IN MARYLAND. 



PERCENTAGE OF FAMILIES OCCUPYING OWNED AND INCUMBERED HOMES, AND OF THE VALUE 
THEREOF AND OF THE INCUMBRANCE THEREON, BY CLASSIFICATION OF AMOUNTS OF VALUE 
AND OF INCUMBRANCE, FOR HOMES IN CITIES OF MORE THAN 8,000 PEOPLE. 



II H'ATIciN el' AMill-N Is. 



Under $500 

Under $1 ,000 

$500 and under 81,000 

$1,000 and under $2,500... 

iev $5,000... 

lei' $10,000.. 



$2,500 I 
$5,000 f 
$5,000 £ 
$10,000 
$25,000 



ad over. 



FOR H 


)MES IN CITIES OF 8,000 TO 
100,000 PEOPLE. 


FOR HOWES I 


N T BALTIMORE. 


Fori 


alue. 


For incumbrance. 


Fori 


ralue. 


For incumbrance. 


For 

number 

of 
families. 


For 
amount 


For 
number 

of 
families. 


For 
amount. 


For 
number 

of 
families. 


For 
amount. 


For 
number 

of 
families. 


For 
amount. 


5.18 


0.60 


39.77 


10.14 


4.19 


0.67 


39.49 


10.91 


26.81 


6.02 


66.58 


26.67 


29.12 


8.39 


69.48 


30.75 


21.63 


5.42 


26.81 


16.53 


24.93 


7.72 


29.99 


19.84 


36.92 


18.50 


23.45 


32.02 


46.92 


30.58 


22.45 


31.55 


20.08 


22.94 


7.12 


20.92 


14.24 


19.75 


5.55 


18.51 


10.75 


23.94 


2.20 


12.50 


6.50 


18.31 


1.91 


11.57 


16.19 


52.54 


2.85 


20.39 


9.72 


41.28 


2.52 


19.19 


5.44 


28.60 


0.65 


7.89 


3.22 


22.97 


0.61 


7.62 


0.78 


7.96 






0.38 


6.28 


0.06 


1.39 







In looking for the most prominent class in each column in the state table it appears that 30.67 per cent of the 
farm debtor families own incumbered farms worth $5,000 and over, and that 67.15 per cent of the total farm values 
is in farms of the same class. The farms having an incumbrance of less than $1,000 each are owned by 48.73 
per cent of the farm debtor families,, while farms worth $2,500 and under $5,000 carry 30.00 per cent of the total 
farm debt. 

Home values are more prominent in the class of those worth $1,000 and less than $2,500, which are owned by 
37.38 per cent of the home debtor families, and in the class of $5,000 and over, whose homes are worth 48.09 per 
cent of the value of all owned and incumbered homes. Upon turning to incumbrance it will be noticed that 72.11 
per cent of the home debtor families own homes each with an incumbrance of less than $1,000, and that 29.86 per 
cent of the total home debt rests on homes each of which is incumbered for $1,000 and less than $2,500. 

The owned and incumbered homes of the 3 cities that are worth $1,000 and under $2,500 are owned by 36.92 
per cent of the home debtor families, and the homes worth $5,000 and over constitute 52.54 per cent of the value of 
all homes ; incumbrances of less than $1,000 are carried by 66.58 per cent of the home debtor families, and the total 
amount of the incumbrances of $1,000 and less than $2,500 is 32.02 per cent of the total amount. 

In Baltimore incumbered homes worth $1,000 and under $2,500 are owned by 46.92 per cent of the home debtor 
families, and the homes worth $5,000 and over are 41. 2S per cent of the value of all owned and incumbered homes. 
Incumbrances of less than $1,000 are on homes owned by 69.48 per cent of the home debtor families, and 31.55 per 
cent of the home debt is on homes that are each incumbered for $1,000 and under $2,500. 

Average values and incumbrances. — Tables 11. 12, and 13 show that the average owned and incumbered 
farm of the state is worth $4,251 ; home, $2,346 ; of each home in the 3 cities, $2,855 ; of each owned and 
incumbered home in Baltimore, $2,270. 

Home values in Baltimore often do not include land values, because the land on which a dwelling stands is 
commonly not owned by the owner of the dwelling; hence the ground rent system of this city makes the values of 
owned homes generally include no more than dwelling values in these statistics, and it likewise diminishes the 
amount of incumbrances below what they would be under the system prevailing throughout the country, in which 
both dwelling and land are owned by the home owner. 

The average farm incumbrance for the state is $1,636 ; home, $937 ; home incumbrance in the 3 cities, $1,057 ; 
in Baltimore, $999. 

Prince George county has homes of the highest average value, namely, $4,327, and the lowest average value, 
$1,087, is in Worcester county. In the state outside of the 4 cities the average home value is $2,350 ; incumbrance, 
$874. As before stated, all values are confined to incumbered farms and homes occupied by owners. 

Interest rates. — The chief rate of interest in this state is 6 per cent. This rate is paid on 79.20 per cent of 
the farm incumbrance by 86.79 per cent of the farm debtor families; on 78.97 per cent of the home incumbrance by 
87.49 per cent of the home debtor families ; in the 3 cities on 73.89 per cent of the home incumbrance by 84.07 per 
cent of the families occupying owned and incumbered homes, and in Baltimore on 72.80 per cent of the home debt 
by 84.87 per cent of the home debtor families. These percentages are contained in the table on the following page, 
and the facts from which they were computed are exhibited in Table 10. 
30—2 



FARMS, HOMES, AND MORTGAGES. 



PERCENTAGE OF FAMILIES OCCUPYING OWNED AND INCUMBERED FARMS AND HOMES 
AND OF AMOUNT OF INCUMBRANCE THEREON, BY RATES OF INTEREST. 



RATES OF INTEREST. 



THE STATE. 



For For 

aber For number ' For 

of amount. ! of amount, 

families. , families. 



Under 6 per cent 11.97 20.25 

6 per cent 86.79 79.20 

7 percent 0.23 0.09 

8pereent 0.37 0.19 

6 to 8 per cent, inclusive 87.63 79.68 

Over 6 per cent 1.24 0.55 

Over 8 per cent , 0.40 0.07 

Over 10 per cent 0.05 0.01 

Over 12 per cent 0.05 0.01 



87.49 
0.54 
0.77 

89.57 
3.83 
1.75 
0.82 
0.18 



18.61 
78.97 
0.53 
0.41 
80.52 



FOR HOMES IN 
CITIES OF 8,000 TO 
100,000 PEOPLE. 



For 
number 



15.67 


26.01 


10.31 


81.07 


73.89 


84.87 


0.13 


0.04 


0.67 
0.77 


81.33 


73.99 


87.42 


0.26 


0.10 


4.82 
2.27 




1.78 
0.36 





For 
number For 

of amount, 
families. 



0.41 
74.43 



Rates that are less than the principal state rate of 6 per cent are paid by 11.97 per cent of the farm debtor 
families on 20.25 per cent of the farm debt ; by 8.68 per cent of the home debtor families on 18.64 per cent of the 
home debt ; in the 3 cities by 15.67 per cent of the home debtor families on 26.01 per cent of the home debt, and in 
Baltimore by 10.31 per cent of the home debtor families on 21.55 per cent of the home debt. 

In the state rates higher than 6 per cent are paid by 1.24 per cent of the farm debtor families on 0.55 of 1 per 
cent of the farm debt ; by 3.83 per cent of the home debtor families on 2.39 per cent of the home debt ; in the 3 
cities by 0.26 of 1 per cent of the home debtor families on 0.10 of 1 per cent of the home debt, and in Baltimore 
by 4.82 per cent of the home debtor families on 2.65 per cent of the home debt. The highest rate reported is 30 
per cent, which is paid by 1 home famity on a debt of $200. 

Under the usury laws of Maryland rates of interest have been permitted as high as the following by legislative 
acts in the years named : 1692, 6 per cent for a loan of money, 8 per cent for a loan of tobacco or other property ; 
1860, 6 per cent on all contracts. 

Interest charge and average rates of interest. — Table 11 contains a statement of the interest charge 
on the farms and homes of Maryland that are occupied by owners and incumbered. Table 12 contains the 
corresponding facts for the homes of the 3 cities, and Table 13 for the homes of Baltimore. The total interest 
charge for 1 year on the debt incumbering the owned farms of the state is $738,012 ; on the homes, $720,311 ; 
total, $1,458,323. 

The average interest charge for 1 year on each farm is $95 ; home, $55 ; on each home in the 3 cities, $60 ; on 
each home in Baltimore, $58. Owing to the ground rent system of this city many of the families occupying owned 
homes are paying rent to the owners of the land on which their dwellings are situated. No account of the money 
paid for rent has been made in this investigation, and the average annual interest charge on each home does not 
include such interest charge as may be incumbering the land, as it does in cities where the ground rent system is 
not in vogue. 

On farm loans the average rate of interest is 5.79 per cent; on home loans, 5.85 per cent; on home loans in 
the 3 cities, 5.65 per cent; on home loans in Baltimore, 5.82 per cent. Hence the average annual interest value of 
each owned and incumbered farm in this state is $246 ; of each home, $137 ; of each home in the 3 cities, $161 ; of 
each home in Baltimore, $132. 

Outside of the 4 cities the average annual interest charge on each home is $52; average rate, 5.91 per cent; 
average annual interest value, $139. 

Objects of indebtedness. — Investigation of the reasons why farm and home indebtedness was incurred 
discloses the fact that 78.06 per cent of the farm debtor families of the state incurred 80.33 per cent of the farm 
debt for the purpose of buying real estate and making real estate improvements when these objects were not 
associated with other objects, and that for the same objects, in the case of homes, 81.04 per cent of the home 
debtor families incurred 78.48 per cent of the home debt ; in the 3 cities that 77.97 per cent of the home debtor 
families incurred 75.16 per cent of the home debt, and in Baltimore that 81.61 per cent of the home debtor families 
incurred 79.00 per cent of the home debt. 

The objects of real estate purchase and improvements, business and the purchase of personal property, when 
not complicated with other objects, led 85.13 per cent of the farm debtor families of the state to incur 87.54 per 



OWNERSHIP AND DEBT IN MARYLAND. 7 

cent of the farm debt; 89.83 per cent of the home debtor families to incur 91.53 per cent of the home debt; 89.37 
per cent of the home debtor families in the 3 cities to incur 92.82 per cent of the home debt, and 90.78 per cent of 
the home debtor families in Baltimore to incur 92.26 per cent of the home debt. 

Farm and family expenses, standing alone, are represented by 5.02 per cent of the farm debtor families of the 
state and 2.11 per cent of the farm debt; family expenses by 5.22 per cent of the home debtor families and 2.49 per 
cent of the home debt ; family expenses in the 3 cities by 6.48 per cent of the home debtor families and 2.55 per 
cent of the home debt, and in Baltimore by 4.77 per cent of the home debtor families and 2.22 per cent of the 
home debt. 

Table 1.— NUMBER AND PERCENTAGE OF FAMILIES OCCUPYING OWNED AND HIRED AND FREE AND INCUMBERED 

FARMS, BY COUNTIES. 



COUNTIES. 



The State. 

Allegany 

Anne Arundel- 
Baltimore 

Baltimore city. 

Calvert 

Caroline 

Carroll 

Cecil 

Charles 

Dorchester 

Frederick 

Garrett 

Harford 

Howard 

Kent 

Montgomery ... 
Prince George.. 

Queen Anne 

St. Mary 

Somerset 

Talbot 

Washington 

Wicomico 

Worcester 



1,093 
3,085 



2,471 
1,137 



1,496 
1,004 



Incum- 
bered. 



7,794 . 15,403 



567 


.435 


988 


747 


598 


355 


1,293 


888 


985 


840 


851 


677 



PERCENTAGE OP 

PERCENTAGE OF FAMILIES OWNING 

FAMILIES OWNING FREE AND INCTJM- 

AND HIRING. BERED OF TOTAL 

OWNING FAMILIES. 



PERCENTAGE OF 
FAMILIES OWNING 
FREE AND INCUM- 
BERED OF TOTAL 

OWNING AND 
HIRING FAMILIES. 



37.23 



70.93 

57.47 

72.43 

29.44 

51.50 

55.65 

73.10 

60.59 

53.60 

53.19 

68.79 

79.51 

77.51 

69.92 

42.72 

75.79 

55.62 

43.56 

44.26 

70.07 

56.68 I 

62.28 

53.62 

46.20 



29.07 
42.53 
27.57 
70.56 
48.50 
44.35 
26.90 
39.41 
46.40 
46.81 
31.21 
20.49 
22.49 
30.08 
57.28 
24.21 
44.38 
56.44 
55.74 
29.93 
43.32 
37.72 
46.38 



Incum- 
bered. 



30.01 



79.41 
73.19 
71.28 
93.10 
79.61 
69.06 
66.61 
59.21 
79.19 
82.19 
63.58 
76.17 
50.06 



20.59 
26.81 
28.72 
6.90 
20.39 
30.94 
33.39 
40.79 
20.81 
17.81 
36.42 
23.83 
49.94 



43.93 



56.32 
42.06 
51.63 
27.41 
41.00 
38.43 
48.69 
35.88 
42.44 
43.71 
43.74 
60.56 



65.90 


34.10 


46.08 


65.41 


34.59 


27.94 


70.66 


29.34 


53.55 


76.99 


' 23.01 


42.82 


69.37 


30.63 


30.22 


76.72 


23.28 


33.96 


75.61 


24.39 


52.98 


59.36 


40.64 


33.65 


68.68 


31.32 


42.77 


85.28 


14.72 


45.73 


79.55 


20.45 


36.75 



18.84 



14.61 
15.41 
20.80 

2.03 
10.50 
17.22 
24.41 
24.71 
11.16 

9.48 
25.05 
18.95 
38.71 
23.84 
14.78 
22.24 
12.80 
13.34 
10.30 
17.09 
23.03 
19.51 

7.89 

9.45 



FARMS, HOMES, AND MORTGAGES. 



Table 2.— NUMBER AND PERCENTAGE OF FAMILIES OCCUPYING OWNED AND HIRED AND FREE AND INCUMBERED 

HOMES, BY COUNTIES. 



The State... 

Allegany 

Anne Arundel.. . 

Baltimore 

Baltimore city... 

Calvert 

Caroline 

Carroll 

Cecil 

Charles 

Dorchester 

Frederick 

Garrett 

Harford 

Howard 

Kent 

Montgomery 

Prince George.... 

Queen Anne 

St. Mary 

Somerset 

Talbot 

Washington 

Wicomico 

Worcester 



160,807 



7,007 
4,218 
8,606 
86,457 
SU 
1,413 
3,487 
3,530 
1,471 
3,165 
6,239 
1,134 
3,341 
1,582 
2,439 
2,959 
2,712 
2,220 
1,488 
3,280 
2,864 
6,091 
2,139 
2,154 



51,248 



2,252 

1,000 

2,471 

22,531 

342 

541 

1,611 

1,285 

461 

1,432 

2,972 



Incum- 
bered. 



1,556 
17,039 



1,157 
2,055 



1,784 
1,216 



109,559 



4,755 
3,218 
6,135 
63,926 
469 
872 
1,876 
2,245 
1,010 
1,733 
3,267 
677 
1,951 
1,138 
1,464 
1,786 
1,844 
1,344 
1,059 
1,496 
1,648 
3,119 
1,159 
1,368 



PERCENTAGE OF 

FAMILIES OWNING 

AND HIRING. 



PERCENTAGE OF 
FAMILIES OWNING 
FREE AND INCUM- 
BERED OF TOTAL 
OWNING FAMILIES. 



PERCENTAGE OF 
FAMILIES OWNING 
FREE AND INCUM- 
BERED OF TOTAL 

OWNING AND 
HIRING FAMILIES. 



31.87 



32.14 
23.71 
28.71 
26.06 
42.17 
38.29 
46.20 
36.40 
31.34 
45.24 
47.64 
40.30 
41.60 
28.07 
39.98 
39.64 
32.01 
39.46 
28.83 
54.39 
42.46 



Hiring. Free. 



68.13 



67.86 
76.29 
71.29 
73.94 
57.83 
61.71 
53.80 
63.60 
68.66 
51.76 
52.36 
59.70 
58.40 
71.93 
60.02 
60.36 
67.99 
60.54 
71.17 
45.61 
57.54 
51.21 
54.18 
63.51 



25.63 



62.97 
75.62 
88.01 
76.34 
55.49 
66.69 



69.15 
74.84 
63.02 
66.89 
78.67 
72.80 
72.81 
85.50 
86.25 
92.10 
71.30 
65.81 
87.86 
81.42 



19.36 
22.20 
37.03 
24.38 
11.99 
23.66 
44.51 
33.31 
14.32 
19.20 
30.85 
25.16 
36.98 
33.11 
21.33 
27.20 
27.19 
14.50 



34.19 
12.14 
18.58 



Incum- 
bered. 



25.92 
18.45 
18.08 
19.71 
37.11 
29.23 
25.64 
24.28 
26.85 
36.55 
32.94 
30.16 
26.22 
18.78 
31.45 
28.86 
23.31 
33.74 
24.87 
50.09 
30.27 
32.11 
40.25 



8.17 

6.22 
5.26 
10.63 
6.35 
5.06 
9.06 
20.56 
12.12 
4.49 
8.69 
14.70 
10.14 
15.38 
9.29 
8.53 
10.78 
8.70 
5.72 
3.96 
4.30 
12.19 
16.68 
5.57 
6.78 



Table 3.— NUMBER AND PERCENTAGE OF FAMILIES OCCUPYING OWNED AND HIRED AND FREE AND INCUMBERED 

HOMES, BY CITIES OF 8,000 TO 100,000 PEOPLE. 



CITIES. 


Aggregate. 




OWNING. 




Hiring. 


PERCENTAGE OF 

FAMILIES OWNING 

AND HIRING. 


PERCENTAGE OF 
FAMILIES OWNING 
FREE AND INCUM- 
BERED OF TOTAL 
OWNING FAMILIES. 


PERCENTAGE OF 
FAMILIES OWNING 
FREE AND INCUM- 
BERED OF TOTAL 

OWNING AND 
HIRING FAMILIES. 




Total. 


Free. 


Incum- 
bered. 


Owning. Hiring. 


Free. ] am f- 
bered. 


Free. 


Incum- 
bered. 


Total 


6,084 


2,340 


1,568 


772 


3,744 


3S.46 61.54 


67.01 


32.99 


25.77 


12.69 




2,387 
1,679 
2,018 


816 
656 
868 


628 
462 
478 


1S8 
194 
390 


1 1,571 
1,023 
1,150 


34.19 65.81 
39.07 60.93 
43.01 56.99 






26.31 
27.52 
23.69 






70.43 
55.07 


29.57 
44.93 


11.55 
19.32 






OWNERSHIP AND DEBT IN MARYLAND. 9 

-NUMBER AND PERCENTAGE OF FAMILIES OCCUPYING OWNED AND HIRED AND FREE AND INCUMBERED 
HOMES IN BALTIMORE, BY WARDS. 



Total 86,457 

Ward 1 4,482 

Ward 2 3,705 

Ward 3 3,353 

Ward 4 3,269 

Ward 5 3,318 

Ward 6 5,455 

Ward 7 5,153 

Ward 8 ,. 4,493 

Ward 9 2,519 

Ward 10 3,221 

Ward 11 4,202 

Ward 12 4,107 

Ward 13 2,963 

Ward 14 3,501 

Ward 15 3,051 

Ward 16 3,173 

Ward 17 5,071 

Ward 18 , 5,602 

Ward 19 4,726 

Ward 20 3,952 

Ward 21 2,842 

Ward 22 4,239 



1,151 
1,390 



589 
729 
1,125 
1,378 
1,100 
1,062 
727 
1,060 



2,881 
3,009 
2,271 
2,590 
2,434 
3,586 
3,118 
3,343 
2,001 
2,509 
3,510 
2,945 
2,251 
2,592 
2,462 
2,444 
3,946 
4,224 
3,626 
2,890 
2,115 



I'KIK KNTAGE OF 

FAMILIES OWNING 

AND HIEING. 



PERCENTAGE OF 
FAMILIES OWNING 
FREE AND INCUM- 
BERED OF TOTAL 
OWNING FAMILIES. 



PERCENTAGE OF 
FAMILIES OWNING 
FREE AND INCUM- 
BERED OF TOTAL 

OWNING AND 
HIRING FAMILIES. 



Owning. Hiring. 



26.06 



35.72 
18.79 
32.27 
20.77 
26.64 
34.26 
39.49 
25.60 
20.56 
22.10 
16.47 
29.33 
24.03 
25.96 



22.18 
24.60 
23.28 
26.87 
25.58 
25.01 



73.94 



64.28 
81.21 
67.73 
79.23 
73.36 
65.74 
60.51 
74.40 
79.44 
77.90 
83.53 
70.67 
75.97 
74.01 
80.69 
77.02 
77.82 
75.40 
76.72 
73.13 
74.42 



71.27 
81.47 



82.47 
61.58 
68.30 
80.35 
84.94 
81.74 
84.54 
76.27 
83.43 
80.86 
85.74 
84.22 
72.36 
67.49 
80.00 
75.33 
73.18 
64.53 



28.73 
18.53 
15.62 
12.08 
17.53 
38.42 
31.70 
19.65 
15.06 
18.26 
15.46 
23.73 
16.57 
19.14 
14.26 
15.78 
27.64 
32.51 
20.00 
24.67 
26.82 
35.47 



19.71 



25.46 
15.31 
27.23 
18.26 
21.97 
21.10 
26.97 
20.57 
17.47 
18.07 
13.92 
22.37 
20.05 
20.99 
16.55 
19.35 
16.05 
16.60 
18.62 
20.24 
18.72 
16.14 



6.35 

10.26 
3.48 
5.04 
2.51 
4.67 
13.16 
12.52 
5.03 
3.09 
4.03 
2.55 
6.96 
3.98 
4.97 



6.63 
6.86 
8.87 



Table 5. 



-VALUE OF FARMS AND HOMES OCCUPIED BY OWNERS AND INCUMBERED, AND AMOUNT AND PERCENTAGE 
OF INCUMBRANCE THEREON, BY COUNTIES. 



The State.. 

Allegany 

Anne Arundel.... 

Baltimore 

Baltimore city .. 

Calvert 

Caroline 

Carroll 

Cecil 

Charles 

Dorchester 

Frederick 

Garrett 

Harford 

Howard 

Kent 

Montgomery 

Prince George.... 

Queen Anne 

St. Mary 

Somerset 

Talbot ; 

Washington 

Wicomico 

Worcester 



Number 
Percent- offami- 
age of lies 



FOR FARMS. 



FOR HOMES. 



863,919,013 

1,301,529 
1,811,002 
6,681,662 
12,490,091 

383,326 
1,104,815 
3,755,552 
2,735,866 

539,649 
1,044,447 
5,961,134 

838,262 
4,817,583 
2,129,113 
1,536,351 
3,661,567 
2,321,928 
1,546,657 

550,544 

744,966 
2,368,393 
4,677,311 

483,383 

463,882 



$25,059,276 

456,495 
670,977 

2,499,532 

5,496,621 
134,329 
352,497 

1,663,468 

1,114,076 
183,415 
360,117 

2,545,769 
319,438 

1,891,278 
727,300 
690,170 

1,176,593 
664,405 
618,759 
184,774 
268,990 
923,311 

1,741,799 
178,031 
197,132 



39.19 

35.07 

37.05 
37.41 
44.01 
35.04 
31.91 
44.29 
40.72 
33.99 
34.48 
42.71 
38.11 
39.26 
34.16 
44.92 
32.13 
28.61 
40.01 
33.56 
36.11 
38.98 
37.24 
36.83 
42.50 



$33,135,792 

395,311 

1,256,525 

3,783,041 

22,000 

323,436 

703,864 

2,528,744 

1,719,637 

410,092 

494,176 

4,235,674 

652,196 

3,789,760 

1,536,581 

1,115,354 

2,559,611 

1,300,675 

1,045,239 

347,323 

568,149 

1,552,264 

2,236,453 

254,533 

305,154 



$12,753,827 . 38.' 



105,698 
434,254 

1,416,832 

8,600 

120,516 

235,240 

1,147,004 
713,028 
138,888 
189,742 

1,849,195 
248,805 

1,495,582 
563,258 
509,016 
839,574 
327,227 
439,246 
114,305 
198,578 
599,046 
819,608 
108,222 
132,363 



26.74 
34.56 
37.45 
39.09 
37.26 
33.42 
45.36 
41.46 
33.87 
38.40 
43.66 
38.15 
39.46 
36.66 
45.64 
32.80 
25.16 
42.02 
32.91 
34.95 
38.59 
36.65 
42.52 
43.38 



$30,813,221 

906,218 
554,477 

2,898,621 

12,468,091 

59,890 

400,951 

1,226,808 

1,016,229 
129,557 
550,271 

1,725,460 
186,066 

1,027,823 
592,532 
420,997 

1,101,956 

1,021,253 
501,418 
203,221 
176,817 
816,129 

2,440,858 
228,850 
158,728 



$12,305,449 

350,797 
236,723 
1,082,700 
5,488,021 
13,813 
117,257 
516,464 
401,048 
44,527 
170,375 
696,574 
70,633 
395,696 
164,042 
181,154 
337,019 
337,178 
179,513 
70,469 
70,412 
324,265 
922,191 
69,809 
64,769 



Percent- 
age of 



brance 
of value. 



39.94 

38.71 
42.69 
37.35 
44.02 
23.06 
29.24 
42.10 
39.46 
34.37 
30.96 
40.37 
37.96 
38.50 
27.68 
43.03 
30.58 
33.02 
35.80 
34.68 
39.82 
39.73 
37.78 
30.50 
40.81 



10 



FARMS, HOMES, AND MORTGAGES. 



Table 6.— VALUE OF HOMES OCCUPIED BY OWNERS AND INCUMBERED, AND AMOUNT AND 
PERCENTAGE OF INCUMBRANCE THEREON, BY CITIES OF 8,000 TO 100,000 PEOPLE. 



Total 

Cumberland, Allegany county 

Frederick, Frederick county 

Ilagerstown, Washington county 



Incumbrance. 



$2,203,768 



517,932 

477,559 

1,208,277 



208,578 
179,866 
427,414 



40.27 
37.66 
35.37 



Table 7.— VALUE OF HOMES OCCUPIED BY OWNERS AND INCUMBERED, AND AMOUNT AND 
PERCENTAGE OF INCUMBRANCE THEREON, IN BALTIMORE, BY WARDS. 



Total 

Ward 1 

Ward 2 

Ward 3 

Ward 4 

Ward 5 

Ward 6 

Ward 7 

Ward 8 

Ward 9 

Ward 10.... 

Ward 11 

Ward 12 

Ward 13 

Ward 14 

Ward 15.... 

Ward 16 

Ward 17... . 
Ward 18.... 
Ward 19 .. . 
Ward 20.... 
Ward 21 .... 
Ward 22.... 



Number 
of families 

owning 
with incum- 
brance. 


Value. 


Incumbrance. 


Percentage 
of incum- 
brance of 
value. 


5,492 


812,468,091 


85,488,021 


44.02 


460 


647,005 


319,651 


49.40 


129 


346,284 


152,032 


43.90 


169 


354,886 


148,060 


41.72 


82 


197,213 


89,206 


45.23 


155 


332,781 


152,889 


45.94 


718 


1,064,718 


487,972 


45.83 


645 


1,172,137 


557,260 


47.54 


226 


562,680 


269,025 


47.81 


78 


914,432 


298,916 


32.69 


130 


384,223 


159,754 


41.58 


107 


446,218 


167,958 


37.64 


290 


1,354,765 


634,716 


46.85 


118 


395,080 


158,779 


40.19 


174 


364,877 


169,792 


46.53 


84 


215,691 


94,020 


43.59 


115 


228,920 


101,731 


44.44 


311 


337,369 


162,078 


48.04 


448 


604,280 


264,000 


43.69 


220 


534,573 


241,906 


45.25 


262 


617,092 


258,070 


41.82 


195 


628,292 


261,345 


41.60 


376 


764,575 


338,861 


44.32 



Table 8.— STATE SUMMARY OF NUMBER OF FAMILIES OCCUPYING OWNED AND INCUMBERED FARMS AND HOMES, 
AND THE VALUE THEREOF AND THE INCUMBRANCE THEREON, BY CLASSIFICATION OF AMOUNTS OF VALUE 
AND OF INCUMBRANCE. 



CLASSIFICATION OF AMOUNTS. 



For incumbrance. 



The State 20,927 $63,949,013 20,927 



Under $500 

$500 and under $1,000.... 
$1,000 and under $1,500. 
$1,500 and under 82,000 . 



$2,000 and \ 
$2,500 and \ 
$3,000 and i 
$4,000 and i 
$5,000 and i 
$7,000i 



r $2,500.... 

ad under $3,000.... 

rid under $1,000.... 

nd under $5,000.... 

nd under $7,000.... 

nd under $10,000... 
$10,000 and under $25,000 . 
$25,000 and over 



1,8 



3,351 I 3,805,241 

2,110 J 3,395,547 

1,607 3,379,606 

1,206 3,074,864 

1,673 ! 5,358,356 

1,061 4,437,643 

1,589 I 8,773,823 

1,022 8,071,449 

1,136 j 14,845,180 

M6 5,380,487 



8,213 
5,055 
2,596 I 
1,257 
1,076 



2,024,837 
3,320,383 
2,922,320 
2,053,218 
2,245,065 
1,580,139 
2,651,106 
2,062,410 
2,510,114 
1,678,710 
1,854,174 
156,800 



FOE FARMS. 



For incumbrance. 



7,794 $33,135,792 



1,024,1 
1,433,' 
1,294,! 
2,673,' 
2,770,1 
5,354,1 
5,150,1 
9,149,i 
2,598,1 



7,794 $12,753,827 



2,062 
1 ,736 J 
1,102 



1,148,1 
1,243,; 
1,070,1 
1,232,! 
911, ■ 
1,713,' 
1,200,1 
1,607,: 



FOR HOMES. 



13,133 $30,813,221 



1,517 
3,265 
2,495 
1,473 

941 



471 ,358 
2,233,905 
2,840,586 
2,370,606 
1,945,864 
1,780,351 
2,684,951 
1,666,790 
3,419,807 
2,921,067 
5,695,819 
2,782,117 



For incumbrance. 



6,151 
3,319 
1,494 



$12,305,449 

1,497,643 

2,171,512 

1,678,962 

982,368 

1,012,842 

668,691 

937,309 

861,762 

902,922 

744,646 

716,992 

129,800 



OWNERSHIP AND DEBT IN MARYLAND. 



11 



Table 9.— SUMMARY OF NUMBER OF FAMILIES OCCUPYING OWNED AND INCUMBERED HOMES, AND THE VALUE 
THEREOF AND THE INCUMBRANCE THEREON, BY CLASSIFICATION OF AMOUNTS OF VALUE AND OF INCUMBRANCE ; 
TOTAL FOR CITIES OF 8,000 TO 100,000 PEOPLE AND FOR BALTIMORE. 



Total 

Under $500 

$500 and under 81,000 

31,000 and under 81,500 ... 
$1,500 and under $2,000 ... 
$2,000 and under $2,500 ... 
$2,500 and under $3,000 ... 
$3,000 and under $4,000 ... 
$1,000 and under $5,000 ... 
$5,000 and under $7,000 ... 
$7,000 and under $10,000 .. 
$10,000 and under $25,000 
$25,000 and over 



FOG HOMES IN CITIES OP 


8,000 TO 1 


)0,000 PEOPLE. 




FOR HOMES IN 






For value. 


For in 


cumbrance. 


For value. 


For incumbrance. 


Number 




Number 




Number 




Number 




of 


Amount. 


of 


Amount. 


of 


Amount. 


of 


Amount. 


families. 




families. 




families. 




families. 




772 


$2,203,768 


772 


$815,858 


5,492 


$12,468,091 


5,492 


$5,488,021 


40 


13,164 


307 


82,752 


230 


83,138 


2,169 


598,531 


107 


119,418 


207 


134,893 


1,369 


962,363 


1,647 


1,088,942 


153 


171,863 


100 


115,818 


1,302 


1,514,061 


728 


814,767 


77 


122,797 


52 


84,125 


763 


1,232,023 


291 


470,955 


55 


113,011 


29 


61,252 


512 


1,066,300 


214 


445,873 


44 


110,556 


29 


75,534 


300 


766,786 


93 


242,405 


70 


225,971 


17 


57,296 


330 


1,061,500 


120 


385.603 


41 


168,923 


9 


37,838 


152 


634,223 


92 


387,785 


52 


287,000 


12 


63,450 


224 


1,241,376 


75 


405,587 


31 


240,698 


5 


38,500 


133 


1,042,052 


30 


229,431 


36 


454,867 


5 


64,400 


156 


2,080,769 


30 


342,142 


6 


175,500 






21 


783,500 


3 


76,000 



Table 10.— SUMMARY OF NUMBER OF FAMILIES OCCUPYING OWNED AND INCUMBERED FARMS AND HOMES, AND 

OF THE INCUMBRANCE THEREON, BY RATES OF INTEREST. 
[Rates of interest represented by i 



ixed numbers i 



; combined into groups ; for instance, rates represented by " 1-2 " per cent include all rates greater Liu 
cent and less tban 2 per cent.] 



i 1 per 



FOR FARMS. 



Incumbrance. 



The State ! 20,927 



$25,059,276 



6,000 

20,500 

14,800 

41,661 

4,621 

165,450 

145,659 

3,362,018 

1,000,127 

19,819,515 

58,841 

77,188 

42,689 

74,574 

1,529 

13,823 

1,581 

46,336 

462 



7,300 
1,071 



58,215 
6,000 
20,000 
14,800 
25,825 



52,285 

47,300 

1,796,444 

561,769 

10,101,396 

15,382 

11,743 

10,573 

23,646 

1,529 

1,995 



13 


4,169 



















1 
3 


173 
583 
















$12,305,449 



15,836 

4,621 

113,165 

98,359 

1,565,574 

438,358 

9,718,119 

43,459 

65,445 

32,116 

50,928 



11,828 
1,581 



FOR HOMES IN CITIES 

OF 8,000 TO 100,000 

PEOPLE. 



772 $815,858 



4,977 
13,228 
142,241 
36,431 

602,842 
500 



,488,021 
10,384 



14,021 
3,661 
70,605 
58,752 
975,240 
214,553 
,995,267 
30,247 
25,985 
10,754 
22,247 



1,138 
31 ,934 



12 



FARMS, HOMES, AND MORTGAGES. 



Table 11.— 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. 



COUNTIES. 



Total. Farm. Home 



The State 83,056 $4,251 $2,346 

Allegany 2,410 I 3,801 2,078 

Anne Arundel 3,517 ' 4,288 2,498 

Baltimore 3,710 4,270 1 3,168 

Baltimore city 2,273 5,500 2,270 

Calvert 2,626 3,080 : 1,401 

Caroline 3,060 3,021 ' 3,132 

Carroll 2,489 3,193 1,711 

Cecil 3,284 4,246 2,374 

Charles 2,645 2,972 1,963 

Dorchester 2,342 2,890 2,001 

Frederick '. 3,281 4,706 1,882 

Garrett 2,172 2,407 1,618 

Harford 3,466 4,326 2,000 

Howard 4,785 5,156 4,031 

Kent 4,440 8,082 2,024 

Montgomery 4,831 5,831 3,454 

Prince George 4,972 5,631 4,327 

Queen Anne 5.20S 6,148 3,948 

St. Mary 2,882 2,631 3,444 

Somerset 1,950 2.357 1,254 

Talbot 4,001 6,388 2,338 

Washington 3,292 5,522 2,402 

Wicomico I 1,831 1,755 1,923 

Worcester | 1,450 1,754 1,087 



Total. Farm. Home 



1,102 
1,337 



1,361 
1,634 
1,995 
1,552 
1,423 
2,083 
967 
704 
1,560 
1,226 



1,016 

1,482 
1,599 
2,150 
1,148 
1,010 
1,448 
1,761 
1,006 
1,110 



1,912 
1,417 
2,584 



2,465 
2.024 



1,066 
1,183 



1,116 

871 
1,056 
1,429 
1,413 
1,194 
499 
929 



26,018 
39,866 

144,786 

319,838 
8,055 
20,838 
95,312 
64,734 
11,165 
22,276 

141,163 
17,480 

112,330 
42,520 
41,301 
69,886 
39,692 
37,368 
10,624 
16,117 
55,625 
98,807 
10,708 
11,814 



For 
homes. 



$738,012 $720,311 



6,236 
25,649 
81,261 



13,803 
65,402 
41,046 

8,324 
11 ,466 
101,804 
13,309 
88,658 
32,706 
30,421 
49,775 
19,103 
26,502 

6,889 
11,868 ] 
35,726 ! 
45,941 

6,499 

7,928 



19,782 
14,217 
63,525 
319,359 
838 

7,035 
29,910 
23,688 

2,841 
10,810 
39,359 

4,171 
23,672 

9,811 
10,880 
20,111 
20,589 
10,366 

3,735 

4,249 
19,899 



Total. Farm. Home 



For 
homes. 



5.70 


5.90 


5.64 


5.94 


5.91 


6.01 


5.79 


5.74 


5.87 


5.82 


5.57 


5.82 


6.00 


5.99 


6.07 


5.91 


5.87 


6.00 



6.19 


6.04 


6.34 


5.55 


5.51 


5.65 


5.47 


5.35 


5.91 


5.94 


5.93 


5.98 


5.85 


5.81 


5.98 


5.98 


5.98 


6.01 


5.94 


5.93 


5.97 


5.97 


5.84 


6.11 


6.04 


6.03 


6.05 


5.75 


6.03 


5.30 


5.99 


5.98 


6.03 


6.02 


5.96 


6.14 


5.67 


5.61 


5.73 


6.01 


6.01 


6.03 


5.99 ! 


5.99 


6.00 



Table 12.— AMOUNT OF ANNUAL INTEREST CHARGE AND AVERAGE VALUE, INCUMBRANCE, 
ANNUAL INTEREST CHARGE, AND ANNUAL RATE OF INTEREST FOR HOMES OCCUPIED 
BY OWNERS AND INCUMBERED, BY CITIES OF 8,000 TO 100,000 PEOPLE. 



CITIES. 


Average Average 
value of each incumbrance 
incumbered on 
home. each home. 


Total annual Average an- Average an- 
interest ; nual interest nual rate of 
charge for charge on interest 
homes. each home. for homes. 


Total 


32,855 SI, 057 


$46,131 S60 5.65 


Cumberland, Allegauv county 


2,755 1,109 


11,257 60 5.40 
10,069 52 5.60 
24,808 64 5.80 




3,098 1,096 



OWNERSHIP AND DEBT IN MARYLAND. 

Table 13.— AMOUNT OF ANNUAL INTEREST CHARGE AND AVERAGE VALUE, INCUMBRANCE, 
ANNUAL INTEREST CHARGE, AND ANNUAL RATE OF INTEREST FOR HOMES OCCUPIED 
BY OWNERS AND INCUMBERED IN BALTIMORE, BY WARDS. 



Average 

value of each 

incumbered 

home. 



Total . 

Ward 1 

Ward 2 

Ward 3 

Ward 4 

Ward 5 

Ward 6 

Ward 7 

Ward 8 

Ward 9 

Ward 10 

Ward 11 

Ward 12 

Ward 13 

Ward 14 

Ward 15 

Ward 16 

Ward 17 

Ward 18 

Ward 19 

Ward 20 

Ward 21 

Ward 22 



1,570 
2,189 
1,346 



1,100 

985 

1,340 



Total annual 
interest 



19,213 
8,631 
8,331 
5,195 
8,851 
29,689 
32,764 
15,071 
16,690 
8,960 
9,363 
35,731 
9,075 
10,009 
5,617 
6,049 
10,378 
15,997 
14,042 
14,952 
15,028 
19,723 



Average an- 
nual rate of 

interest 
for homes. 



5.63 
5.82 



6.08 
5.88 



5.58 
5.61 



5.63 

5.72 



5.95 
6.40 



5.79 
5.75 
5.82