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Full text of "Extra census bulletin"

M 



*MA20I . 1^90. A2c^ 

Apr. I '^92 
Auq. 1394 




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Digitized by the Internet Archive. 

in 2010 with funding from 

Boston Public Library 



http://www.archive.org/details/extracensusbulle54unit 



Extra Census Bulletin. 



No. 54. V\rASHlNGTON, D. C. August 30, 1893. 



STATISTICS OF FARMS, HOMES, AND MORTGAGES. 

MORTGAGES IN NEW YORK. 

DEPAETMENT OF THE INTEEIOR, 

Census Office, 

"Washington, D. C, August 4, 1893. 
Sie: 

The real estate mortgage movement in New York from 1880 to 1889 was a progressive one of large proportions, 
beginning with a debt of $13.3,539,396, incurred in 1880, and ending with $331,-554,973, incurred in 1889. This 
increase of 148.28 per cent in the incurred debt during the 10 years was greater than the increase of population, 
which was 18 per cent. 

Upon separation of the debt into that which incumbered acre tracts and that which incumbered lots, it will be 
noticed that the increase is almost entirely found in the debt on lots. The amount of incurred debt incumbering 
lots in 1880 was $105,634,180, and there was an increase to $301,245,854 in 1889. In 1880, 49,186 lots were 
mortgaged; in 1889, 125,035. The annually incurred debt on acre tracts presents little evidence of any movement. 
The amount placed on acre tracts in 1880 was $27,905,216; in 1889, $30,309,119. The largest amount is found in 
1883, namely, $.34,362,505. 

During the 10 year period a debt of $2,276,932,371 was incurred, represented by 710,622 mortgages; 13.05 per 
cent of the debt was on acre tracts and 86.95 per cent on lots. 

The real estate mortgage debt existing January 1, 1890, is $1,607,874,301, of which $217,813,055, or 13.55 per 
cent, is on acres, and $1,390,061,246, or 86.45 per cent, is on lots. The counties that have an existing debt of more 
than $10,000,000 each follow: Albany, $18,205,876; Erie, containing Buffalo, $75,.346,.388 ; Kings, containing 
Brooklyn, $235,014,813; Monroe, containing Eochester, $54,118,884 ; New York, $839,684,530; Oneida, containing 
Utica, $16,655,466; Onondaga, containing Syracuse, $27,647,639; Orange, a famous dairy county, $15,410,142; 
Queens, suburban to New York and Brooklyn, $23,955,606; Eensselaer, containing Troy, $15,403,222; Westchester, 
suburban to New York, $34,343,310. 

The great debt of New York city, which is coterminous with the county, is a little more than one-half of the 
debt of the state and is about one-seventh of the probable mortgage debt of the United States; but when the value 
of the real estate of New York city is taken into account, the debt does not have a much greater proportion than 
the debt of the remainder of the state does in comparison with the value of real estate. In the city the debt is 
30.03 per cent of the estimated true value of the real estate; in the remainder of the state the per cent is 26.38. 
The mortgage debt of New York state is noticeably a city lot debt. In the 11 counties above named there is an 
existing debt of $1,288,481,014 on lots, and this debt is 80.14 per cent of the entire mortgage debt of the state. 

New York has a per capita mortgage debt of $268, and in this respect exceeds 20 other states that have been 
tabulated, as appears in the following comparative statement: 



Alabamri S26 

Arkansas 13 

Colorado 206 

Connecticut 1 07 

Illinois 100 

Indiana 51 

Iowa 104 



Missouri 680 

Nebraska 126 

New Hampshire 50 

New York 268 

Oregon 73 

Pennsylvania 1 17 

Rhode Island 106 



Kansas 170 | Tennessee 23 

Maine 49 Vermont 84 

Massachusetts 144 Wisconsin 72 

Minnesota 1 52 



C. O. P. -3,500 



2 FARMS, HOMES, AND MORTGAGES. 

In the ratio between the debt and the estimated true value of all taxed real estate New York is represented by 
28.17 per cent, which exceeds the Kansas percentage by a small fraction of 1 per cent, and thus becomes the largest 
ratio of mortgage debt to real estate value that has been found in the 21 states, as is shown below: 



PER CENT. 

Alabama 10.96 

Arkansas '7.34 

Colorado 14 "t^ 

Connecticut 20.14 

Illinois 14.06 

Indiana 9.79 

Iowa 17.61 

Kansas 28.13 

Maine 13. 28 

Massachusetts 19.42 



Missouri 16.15 

Nebraska 24.58 

Ne'w Hampshire 11.68 

New York .... 28.17 

Oregon 8.11 

Pennsylvania 18.91 

Rhode Island 12.13 

Tennessee 8.67 

Vermont 19.21 

Wisconsin 12 . 46 



Minnesota 18.83 

The acres covered by existing mortgages are 40.43 per cent of the number of taxed acres in the state, and the 
lots covered by existing mortgages number 647,386. 

Very respectfully, 

JAMES H. WAEDLE, 

Acting Superintendent of Census. 
The Seceetaey of the Ixteeioe. 



1 



STATISTICS OF FARMS, HOMES, AXD MORTGAGES. 

MORTGAGES IN NEW YORK. 



liY GEORGE K. HOLMES AND JOHN 



THE REAL ESTATE MORTGAGES OF 10 YEARS. 

New York exhibits a mortgage movement of a distinct progressive tendency. Table 1 shows that during the 
decade ending December 31, 1SS9, the real estate mortgages mentioning the amount of debt secured numbered 
710,622 and represented an incurred debt of $2,276,932,371. The amount of this debt incurred in 1880 was 
S133,.539,396, and there was an increase to 8331,554,973 in 1S89. The 95-1 mortgages made in the course of 10 
years, not stating the amount of debt secured by them, are not included in any totals but their own, except in the 
number of acres and lots shown in Table 1, and except when otherwise mentioned. 

In 11 counties the incurred debt of 10 years was as follows: Albany, $24,679.081 ; Erie, 898,363,112 ; Kings, 
8314,756,720; Monroe, 871,205,282; Xew York, $1,222,188,240 ; Oneida, S22,S29,.5S8 ; Onondaga, 836,-597,623 ; 
Orange, 819,104,442; Queens, $31,323,338; Rensselaer, 820,611,602; Westchester, 843.819.969. In the state in 
1880, 52,605 mortgages stating amount of debt were made and 91,403 in 1889. The number of mortgages made in 
1889 gained 73.75 per cent upon those made in 1880 ; the amount of debt incurred, 148.28 per cent. During the 
10 years preceding June 1, 1890, the population of the state increased 18 per cent. 

Mortgages on acres. — A debt of 8297,185,921 was placed on acre tracts during the 10 years, or 13.05 per 
cent of the total for acre tracts and lots, and this amount was represented bj^ 186,284 mortgages, or 26.21 per cent 
of the total number. In the annual amount of mortgages on acres there were fluctuations, but on the whole the 
incurred acre debt increased from 827,905,216 in 1880 to 830,309,119 in 1889, although the amount for 1889 was 
exceeded by the amounts for 1882, 1883, and 1884. 

Mortgages on lots. — Of the total amount of real estate mortgage debt incurred during the 10 years, 
81,979,746,450, or 86.95 per cent, incumbered lots. The amount incurred in 1880 was 8105.634,180; in 1889 it was 
8301,245,854. The gain in number of mortgages in 1889 over those of ISSO was 118.33 per cent; in amount of 
incurred debt, 185.18 per cent. 

iSTtTjiBEE OF ACRES AND LOTS COVERED. — Duriug the 10 years 13,501,300 acres were incumbered by 186,699 
mortgages stating and not stating amount of debt. In 1880 the number of acres incumbered was 1,345,354 ; and 
the number fell to 1,209.959 in 1889. Lots to the number of 795,098 were incumbered during the decade bj- 524,877 
mortgages stating and not stating amount of debt; 49,186 in 1S80, 125,035 in 1889. Increase of 1889 over 1880, 
154.21 per cent. 

Averages. — The average amount of each mortgage on acres made in the state dui-ing the decade was 81.595; 
on lots, 83,776. Each mortgage on acres covered 72 acres, on the average ; each mortgage on lots covered 1.51 lots; 
mortgages not stating amount of debt are included in these averages. A debt of 822.00 was placed on each 
mortgaged acre, on the average ; of 82,492 on each mortgaged lot. 

EXISTING INDEBTEDNESS. 

Table 2 shows that the existing mortgage debt of New York is 81,607,874.301, of which 8217.813.055. or 13.55 
per cent, is on acres, and 81,390,061,246, or 86.45 per cent, is on lots. Of the 579.472 mortgages in force, 156,814, or 
27.06 per cent, are on acres, and 422,658, or 72.94 per cent, are on lots. Mortgages in force cover 11,372,354 acres 
and 647,386 lots. Mortgages have an average life of 7.504 years ; on acres, 8.399 years ; on lots, 7.353 years. The 
partial payments adopted for this state are 13.95 per cent of the face of the existing mortgages on acres ; 14.37 per 
cent on lots; total, 14.31 per cent. 

.54-2 3 



4 FARMS, HOMES, AND MORTGAGES. 

Some derived results that have been obtained follow : 

Percentage of estimated true value of all taxed real estate represeuted by the debt iu force 28.17 

Percentage of the total number of taxed acres represented bj* the number of mortgaged acres 40.43 

Average amount of debt in force per assessed acre $7.74 

Average amount of debt iu Ibrce per mortgaged acre $19.15 

Average number of acres covered by each mortgage in force against acres 73 

Avei'age amount of debt to each mortgage in force §2,77,5 

Average amount of debt to each mortgage in force against acres $1,389 

Average amount of debt to each mortgage in force against lots .$3,289 

Per capita existing debt §268 

SPECIAL INVESTIGATIONS. 

In Albany, Allegany, Dutchess, Fulton, Livingston, and Richmond coiinties special investigations were 
conducted, the character of which has been explained at length iu Extra Census Bulletin No. 3, for Alabama and 
Iowa. 

Objects of indebtedness. — It is found that 57.06 per cent of the original amount of existing debt, that is, 
without deducting partial payments, was incurred in Albanj' county to secure part of the purchase price of real 
estate, uncombined with other objects, 57.22 per cent in Allegany county, 59.85 per cent in Dutchess county, 54.16 
per cent in Fulton county, 58.25 per cent iu Livingston county, and 38.06 per cent in E'chmond county. 

To secure- purchase money and to make real estate improvements, M'hen not associated with other objects, were 
the reasons why 84.36 per cent of the original amount of the existing debt was incurred in Albany county, 73.72 
per cent in Allegany county, 85.81 per cent in Dutchess county, 82.55 per cent in Fulton county, 77.45 per cent in 
Livingston count}^ and 79.50 per cent in Richmond county. The percentage for real estate purchase and 
improvements, business, and the purchase of various articles of personal property, when not associated with other 
objects, is 96.67 in Albany county, 90.83 iu Allegany count}', 93.60 in Dutchess couutj', 93.46 in Fulton county, 
87.47 in Livingston countj^, and 91.98 in Richmond county. 

Albany county. — This county has an existing debt of 118,205,876 and 9,705 mortgages in force. The 
population being 164,555, the per capita indebtedness is $111, and there are 17 persons, on the average, to a mortgage 
in force. Mortgages cover 75,683 acres, and these are 24.78 per cent of the taxed acres; 11,699 lots are mortgaged. 
The average incumbrance on each mortgaged acre is $33.80 ; on each mortgaged lot, $1,338. There are 70 acres, on 
the average, incumbered by each mortgage on acres, and 1.36 lots by each mortgage on lots. 

The countj' contains the capital of the state and has a population of 164,555. It has for a long time thriven 
through trade and manufactures, and is the most populous and wealthy county of the 6 counties in which special 
investigations were conducted. 

Allegany county. — The 4,565 mortgages in force represent an existing debt of $4,311,543, or $100, on the 
average, to each of the 43,240 persons in the county, and 1 mortgage to 9 persons. The 245,058 acres covered by 
mortgages are 38.32 per cent of the taxed acres, and the mortgaged lots number 1,523. Each mortgage on acres 
incumbers 77 acres, on the average, and each mortgage on lots incumbers 1.10 lots. The average debt to each 
incumbered acre is $14.03, to each incumbered lot, $574. 

In this county, which is in the western part of the state, the farmers had not thriven during several bad 
seasons previous to the date of this investigation. The production of petroleum has had a great deal to do with 
improving and building uja the county. It has large tanneries and some manufactures. 

Dutchess county. — There is an existing debt of $9,428,075 in this count}', and 5,835 mortgages are in force. 
The population is 77,879, so that the per capita debt is $121, and there are 13 persons, on the average, to a mortgage 
in force. Mortgages cover 199,573 acres, and these are 41.53 per cent of the taxed acres ; 4,136 lots are mortgaged. 
The average incumbrance on each mortgaged acre is $24.92, on each mortgaged lot, $1,077. There are 84 acres, on 
the average, incumbered by each mortgage on acres, and 1.20 lots by each mortgage on lots. This county is 
situated between the Hudson river and Connecticut, and is chiefly devoted to agriculture and stock raising. 

Fulton county. — This countj' has an existing debt of $3,255,336 and 3,582 mortgages in force. The population 
being 37,650, the per capita indebtedness is $86, and there are 11 persons, on the average, to a mortgage in foi-ce. 
Mortgages cover 100,111 acres, and these are 32.89 per cent of the taxed acres; 2,271 lots are mortgaged. The 
average incumbrance on each mortgaged acre is $11.34 ; on each mortgaged lot, $934. There are 72 acres, on the 
average, incumbered bj' each mortgage on acres, and 1.03 lots bj' each mortgage on lots. 

The manufacture of gloves and mittens has for many years distinguished this county. This industry has 
especially permitted workingmen to become employers. The population of the county has been steadily recruited 
by immigration from other counties in New York on account of the remunerative employment offered by the glove 
industry. 



MORTGAGES IN NEW YORK. 



Livingston county. — This county has au existing debt of $5,733,735 and 4,151 mortgages in force. The 
population being 37,801, the per capita indebtedness is $152, and there are 9 persons, on the average, to a mortgage 
in force. Mortgages cover 175,235 acres, and these are 45.54 per cent of the taxed acres ; 1,782 lots are mortgaged. 
Tlie average incumbrance on each mortgaged acre is $27 ; on each mortgaged lot, $562. There are 68 acres, on the 
average, incumbered by each mortgage on acres, and 1.12 lots by each mortgage on lots. 

This county adjoins Allegany county, and is almost exclusively an agricultural one. Within it is situated a 
portion of the Genesee valley, once the most famous wheat producing region in the United States. Unfavorable 
weatlier for several years antedating this investigation had caused some distress among the farmers and considerably 
depreciated farm values. 

KiCHMOND COUNTY. — The 3,381 mortgages in force reiDresent an existing debt of $8,125,321, or $157, on the 
average, to each of the 51,693 persons in the county, and 1 mortgage to 15 persons. The 10,318 acres covered by 
mortgages are 33.98 per cent of the taxed acres, and the mortgaged lots number 7,455. Each mortgage on acres 
incumbers 11 acres, on the average, and each mortgage on lots incumbers 3.03 lots. The average debt to each 
incumbered acre is $336.60, to each incumbered lot, $624. Staten Island constitutes this county. It is suburban 
to Xew York city and a large proportion of the inhabitants do business in that city. 



Table 1.— NUMBER AND AMOUNT OF REAL ESTATE MORTGAGES PLACED ON RECORD AND NUMBER OF ACRES AND 

LOTS COVERED, BY YEARS. 
[These mortgages do not represent the debt actuallj- in force, because many have been paid.] 




FARMS, H0:MES, AND MORTGAGES. 



Table 1.— XUMBER AND AMOUNT OF REAL ESTATE MORTGAGES PLACED OX RECORD AND NUMBER OF ACRES AND 

LOTS COVERED, BY YEARS— Coutinned. 
[These mortgages do not represent the debt actually in force, because many have been paid.] 



MORTGAGES STATCfG AMOTTXT OF DEBT. 



Number. Amount. Xumber. Amount. Number, Amount. 



5,S92 $314,756,720 



385 I 83,676,222 86,507 5311,080.498 



1831.. 
18S2.. 
1SS3. 
1881.. 
18*5.. 
1SS6.. 
1SS7.. 
18SS.. 
1SS9.. 



4,158 


12,878.328 


5,256 


17,951.461 


6,170 


21,247,407 


6,925 


26.0«,954 


8,128 


28,737,993 


8,979 


31,165,714 


10,212 


36,583,554 


11,4S0 


42,539,643 


11.337 


42,240,307 


14.247 


55,348,359 



735.470 
283,885 
335,684 
183.405 
334.461 
694,159 
355,630 
252,857 



4,146 
5.219 
6,123 
6.902 
8,101 
8,919 
10,123 
11,435 
11,319 
14,220 



12.725,428 
17.215,991 
20,963,522 
25,730,270 
28,554,588 
30,831.253 
35,889,395 
42,184,013 
41,987.450 
•54,998,588 



6,107 I 12.247,292 35,354 58,957,990 



1SS3.. 
1SS4.. 
1885.. 



ISSS.. 
1SS9-. 



2.659 


4,794,937 


3.306 


6,374,935 


3,424 


6,247,578 


3,220 


5,535,225 


3,502 


5,592,106 


4,248 


7,206,239 


5,2.50 


8,918,255 


6,358 


10,549,226 


7,195 


12,220,.592 



1,097,232 
1,203,965 
1,549,055 
1,339,689 
889,295 
889,081 
1,-300,572 
1,177,371 
1,409,804 



2,635 
2,848 
2,793 
3,042 
3,618 
4,618 



2.668,957 
3,590,972 
4.825,880 
4,907.889 
4,645,9.30 
4,703,025 
5,905.667 
7,740.884 
9,139,422 
10,829,364 



New York 111,315 1,222.188,240 



1,850,163 111,194 1,219,338,07/ 



ISSO 8,425 

ISSl 9,829 

1882 10,657 

1383 9,475 

18S1 9,673 

188-5 10,497 

1886 12,425 

1387 13,486 

1888 12.S04 

1839 14,014 

Oneida 16,743 



68,955,102 
92,492,631 
113,409,427 
103.724.S95 
108,786.936 
112,302,972 
140,631,714 
153.561,220 
143,335,749 
179,937,514 

22,829,.58S 



152,070 

103,675 
175,300 
351,843 
110,647 
389,470 
179,000 
492,980 
591,028 
299,150 

10,078,829 



8,419 
9,824 
10,6.50 
9,458 
9,664 
10,480 
12,417 
13,471 
12,783 
14.028 



68,803,032 
92,383.956 
113,231,127 
103,373.052 
108,676,339 
111,913,502 
140,502.714 
158,068,210 
142,741,721 
179.633,394 

12,750,759 



NUMBER OF ACRES MORTGAGED. 



Stated. Estimated 



1,407 
1.264 
1,023 



255,612 



25,680 
30,437 
25,079 
18,580 
20.580 
30,065 
26,085 
23,189 
29,544 



26,453 

25,680 
30,437 
25,079 
18,580 
20,580 
30,065 
26,035 



Number 
of lots 
mort- 



190,590 



8,184 
10,865 
11,788 
14,443 
15,718 
18,246 
22,369 
24,996 
24,495 
39,486 

43,852 



2.320 
2,715 
3,421 
3.542 
3.682 
3,700 
4.536 
5,434 
6,422 
8,050 

171,622 



1881.. 
1832.. 
1833.. 
1834.. 
1835. 
1886.. 
1887.. 
1888., 
1889.. 



1,401 
1,391 
1,561 
1,602 
1,354 
1,916 
1,877 
1,715 



1,6I5,( 
1,711,^ 



2,307,1 
2. 612,' 



959,023 

907,432 

1,034,771 

1,555,669 

1,374.499 

1,158.168 

991,310 

751.631 

644,478 

698,818 



1.068 
1,108 
1,148 



Onondaga 24,969 



9,728,203 19,217 



656,655 
804,027 
1,123,237 
1,167.459 
1,433,091 
1. 181, .514 
1.519,816 
1,513,957 
1,168,775 
1,519,198 

26,869,420 



1,613 


2,019,172 


1,593 


2,223,523 


1,899 


2,515.274 


2,419 


3,997,738 


2,328 


3,374.097 


2,860 


4,097,120 


2,621 


3,433,392 


2,759 


4.211,215 


2,950 


4,609.358 


3.897 


6,086,201 



818.712 
881,394 
835,884 

1,348,220 
971.293 

1.121,610 
791,872 
787,117 

1.024.0S7 

1,118,014 



1.026 
1,101 
1,3.55 
1,790 
1,777 
2,290 
2,112 
2,196 



1,200,460 
1,342.129 
1.709,390 



387,899 a51,522 



36,37 



45,232 
37,405 
38,434 
40,423 
45.116 
47,683 
43,168 
31,285 
27,182 
31,971 

288.017 



38,468 
32,289 
32.864 
35,121 
41,080 
43,704 
41,122 
29.978 
25,932 



6,764 
5,116 
5.570 
5,002 
4,036 
3,979 
2,046 
1,307 
1,2.50 
1,307 



31,838 
27,027 
26,874 
31,566 
28,443 
26,407 



30,475 
26,017 



1,010 
1,666 



12,798 
15,061 
15,763 
15,172 
15,616 
16,271 
19,873 
21,129 
18,254 
21,685 



NUMBER OF MORT- 
GAGES NOT STATING 
AMOUNT OF DEBT. 



1.272 
1,513 
1,320 
1,346 
1,669 
1,788 

26,608 



1,426 
1,671 
2,313 



2,612.020 


25.756 


21,191 


1,565 


3,060 


3,424,128 


26,014 


23,611 


2,373 


3,200 


3,585,271 


32,407 


29,429 


2,978 


3.-342 


4,938,190 


31,685 


29,413 


2,272 


5,220 



MORTGAGES IN NEW YORK. 



Table 1. 



-NUMBER AXD AMOUNT OF REAL ESTATE MORTGAGES PLACED ON RECORD AND NUMBER OF ACRES AND 
LOTS COVERED, BY YEARS— Continued. 
[These mortgages do not represent the debt actually in force, because many have been paid, j 



HOBTGAGES STATIKG AMOUKT OF DEBT. 



[Number. Amount. Number. Amount. Number. Amount. 



Orange 10,187 



2,489 ^,848,698 



1S80.. 
1831.. 
1882.. 
1883.. 
1881.. 
1835.. 
1SS6.. 
1887.. 



1,02.5 
1,056 
980 
1,038 
1,291 
1,313 



1,581,989 
1,347,866 
1,789.795 
1,834,797 
1,986,740 
1,808.814 
1.767,014 
2,230,960 
2,321.04.3 
2.365,424 



538,895 
493,010 
590.077 
610.954 
7.34,743 
613,600 
521.991 
640,969 



1,034 
1,075 



1,013,094 
834,856 
1.199,713 
1.273,843 
1,231,997 
1,195,214 
1,245,023 
1,609.991 
1,682,218 
l,-899,790 



Queens 14,500 31,323,338 2,361 I 12,248,588 12,139 19,074,750 



Westchester.. 



1.056 
1,126 
1,271 
1,437 
2,015 
2,225 
2,782 

12,167 



930 
1,143 
1,400 
1.243 
1,340 
1,183 
1,184 
1,1-30 
1.240 
1,351 



2,916.437 

1.694,804 
1.674.847 
2,450.895 
2,434,485 
2,503,984 
3,100.341 
4,1.39.410 
4,231,855 
6,134,280 



2,235,658 

818,530 

639,797 

1.153,613 

830,622 

877,156 . 

1,1%, 001 

1,570,. 543 

787,248 



903 
1,081 
1,261 
1,742 
1,978 
2,544 



630,779 

846,2.34 

1,013, ceo 

1,277,282 
1,603,863 
1,628,828 
1,904,340 
2,588,865 
3,464,607 
4,064,ffi2 



20,611,602 2,453 4,446,651 9,714 16,164,951 



1,370,113 

1,773,711 
2,a50,837 
2,328,559 
2,204,626 
2,012,105 
2,010,209 
2,230,254 
2,145,240 
2,163,938 



364,606 

398,429 
613,421 
.553, &38 
511,774 
466.053 
401,003 
440,637 
353,378 
343.970 



1,086 
1,004 
1,073 



1,016 
1.111 



1.005,507 
1,373,282 
1,737,416 
1,775.201 
1,692.852 
1,546,050 
1,609,206 
1,809,607 
1,791,862 
1,821,968 



^CMEEE OF ACRES MOETG.A 



Stated. Estimated 



240,423 238,136 



26.755 
22,640 
23.334 
24,440 
30,738 
24,773 
20.648 
23,261 
24,686 
19,093 

91,639 



26,656 
22,640 
23,384 
24,241 

30.639 
24,574 
20.051 
22,863 
24,288 
18,800 

88,559 



8,760 
10,043 
7,848 
9,532 
7,046 
8,344 
10.042 
11,057 
7,073 
8.614 



195,870 181,681 



8,920 
10,203 
8.038 
9,892 
7,406 
8.824 
10,402 
11,457 



Number 
of lots 
mort- 
gaged. 



1,191 
1,435 



16,731 , 43,819,969 



13,892,491 14,230 29,927,478 



1,380,363 
1,141,315 

930,840 
1,138,843 
1,069,649 

947,400 
1,132,400 
1,952,329 
1,740,199 
2,439,146 



1,004 
1,112 
1.215 
1,329 
1,653 
1,866 
1,908 
2,505 



1,232,102 
1,585.447 
2,025,379 
2,248,503 
2,570,981 
2,472.256 
3,532,617 
3,707,848 
5,426,228 
5,126,117 



18,313 
18,506 
28,153 
17,481 
20,157 
18,987 
20,063 
18,5% 
16,387 
18,720 



12,142 
11,074 
7,749 
11,452 
11,815 
10.586 
12.006 
12,005 
12,354 
20,168 



17,277 
17,549 
26,481 
15,488 
19,121 
13,110 
19,590 
17,002 
14,814 
16,249 

100,938 

10,470 
9,451 
6.%2 

10,665 

10,634 
9.504 

10,383 
9,201 
8,n4 

14,954 



1,674 
1,993 
1.036 



1,594 
2,073 
2,471 



1,672 
1.623 



1,181 
1.0S2 
1,623 
2,804 
3,640 
5,214 



2,444 
1,979 
2,630 
2.966 
3,024 
3,151 
6,201 
5,209 
4,893 
6,5S 

13,669 



StTMBEE OF MOET- 

GAGES NOT STATING 

AMOITST OF DEBT. 



acres, lots. 



1,234 
1,394 
1,345 

1.3S9 
1.342 
1,243 
1,390 
1,383 
1.954 

20,599 

1,095 
1.201 
1,408 
1.5% 
1,623 
1,878 
2,233 
2,K8 
2,987 
4.020 



5 2 

6 

3 3 

1 



FARMS, HOMES, AND MORTGAGES. 

Table 2.— REAL ESTATE MORTGAGE DEBT IN FORCE JANUARY 1, 1890, BY COUNTIES. 



COUNTIES. 



The state 

Albany 

Allegany 

Broome 

Cattaraugus 

Cayuga 

Chautauqua 

Chemung 

Chenango 

Clinton 

Columbia 

Cortland 

Delaware 

Dutchess 

Erie 

Essex 

Franklin 

Fulton 

Genesee... 

Greene 

Hamilton 

Herkimer 

Jetferson 

Kings 

Lewis 

Livingston 

Madison 

Monroe 

Montgomery .... 
New York 



Jl, 607, 874, 301 



18,205,876 
4,311,543 
6,815,269 
7,877,947 
7,791,796 

9,888,440 



6,540,185 

3,023,689 
4,990,338 
9,428,075 
75,346,388 
2,267,322 

3,772,359 
3,285,336 
7,029,291 
5,320,851 
321,434 

5,085,146 
7,370,287 
235,014,813 
4,051,514 
5,733,735 

5,473,518 

54,118,884 

5,791,331 

839,684,530 



7,813,055 81,390,061,216 



2,557,930 
3,437,566 
2,385,822 
5,722,385 
5,127,580 

5,352,210 
1,522,044 
2, 661, .562 
2,317,068 
4,531,730 

1,821,921 
3,858,501 
4.974,353 
91537,374 
994,364 

2,599,761 
1,134,994 
5,076,917 
2,666,232 
299,989 

2,970,816 
4.463,989 
2,310,419 



4,132,714 
9,365,949 
2,110,187 
2,245,525 



15,647,946 
873,977 
4,429,447 
2.155,562 
2,664,216 

4,536,230 
2,200,161 
793,410 
2,486,613 
2,008,455 

1,201,768 
1,131,837 
4,453,722 
65,809.014 
1,272,958 

1,172,598 
2,120,342 
1,952,374 
2,654,619 
21,445 

2,114,330 
2,906,298 
232,704,-394 
1.291,018 
1,001,952 

1,340,804 

44,7.52,935 

3,681,144 

837,439,005 



CODNTIES. 



Niagara 

Oneida 

Onondaga.... 

Ontario 

Orange 

Orleans 

Oswego 

Otsego 

Putnana 

Queens 

Rensselaer... 
Richmond.... 

Rockland 

St. Lawrence 
Saratoga 

Schenectady, 

Schoharie 

Schuyler 

Seneca 

Steuben 

Suffolk 

Sullivan 

Tioga 

Tompkins 

Ulster 

Warren 

Washington. 

Wayne 

Westchester., 

Wyoming 

Yates 



S8, 727,033 
16,655,466 
27,647,639 
6,128,076 
15,410,142 

3.935,107 
5,685,938 
6,361,682 
2,220,515 
23,955,606 

15,403,222 
8,125,321 
3,886,757 
8,294,747 
6,727,825 

3,209,788 
3,174,515 
1,741,372 
2,735,138 
9,277,098 

9,018,649 
2,341,258 
2.234,713 
2,750,957 
7,515,183 

2,569,601 
4,068,629 
5,955,449 
34, .343, 310 
4,003,524 
3,279,286 



6,797,491 
7,374,729 
3,834,741 
4,652,479 



4,297,515 
2,048,455 
8,495,136 

3,387,299 
3,473,022 
716,366 
5,679,897 
2,503,870 

1,117,965 
2,598,731 
1,490,482 
1,959,637 
6,684,745 

4,370,636 
1,707,050 
1,459,048 
1,767,863 
3,135,000 

903,084 
3.265,539 
4,786,061 
10,580,531 
3,207,258 
2,592,660 



85,796,214 
9,857,975 

20,272,910 
2,293,335 

10,757,663 

896,308 
2,301,972 
2,064,167 

172,060 
15,460,470 

12,015,923 
4,652,299 
3.170,391 
2,614,850 
4,223,955 

2,091,823 
575,784 
250,890 
775,501 

2,692,353 

4,648,013 
634,208 
775,665 
983,094 

4,380,183 

1,666,517 
803,090 

1,169,388 

23,762,779 

796,266 

686,626