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EXTRA CENSUS BULLETIN.

WASHINGTON, D. C. September 26, 1894,

No. 82.

STATISTICS OF FARMS, HOMES, AND MORTGAGES.

OWNERSHIP AND DEBT IN ILLINOIS.

DEPARTMENT OF THE INTERIOR,
* CrEnsus OFFICE,
Wasnineton, D. C., September 8, 1894.

Sir:

The leading results of the investigation of farm and home proprietorship in Illinois for 1890, by Special
Agents George K. Holmes and John §. Lord, are contained in this bulletin. In regard to farms, the conclusion is
that 36.72 per cent of the farm families hire and 63.28 per cent own the farms cultivated by them; that 36.71 per
cent of the farm owning families own subject to incumbrance and 63.29 per cent own free of incumbranece. Among
100 farm families, 37 hire their farms, 28 own with incumbrance, and 40 without incumbrance. On the owned
farms there are liens amounting to $98,940,935, which is 34.63 per cent of their value, and this debt bears interest
at the average rate of 6.92 per cent, making the average annual interest charge $117 to each family. Each owned
and incumbered farm, on the average, is worth $4,862, and is subject to a debt of $1,684.

The corresponding facts for homes are that 56.90 per cent of the home families hire and 43.10 per cent own
their homes; that of the home owning families 70.18 per cent own free of incumbrance and 29.82 per cent with
incumbrance. In 100 home families, on the average, 57 hire their homes, 13 own with incumbrance, and 30 without
incumbrance. The debt on owned homes aggregates $78,535,763, or 37.37 per cent of their value, and bears interest
at the average rate of 6.69 per cent, so that the annual amount of interest to each home averages $78. Ar average
debt of $1,164 incumbers each home, which has the average value of $3,114.

There are 23 cities in the state in the class of those having a population of 8,000 to 100,000, and in these cities
51.23 per cent of the home families hire and 48.77 per cent own their homes, and of the home owning families 31.67
per cent own with incumbrance and 68.33 per cent own free of incumbrance. In 100 home families, on the average,
are found 51 that hire their homes, 16 that own with incumbrance, and 33 that own without incumbrance. The
liens on the owned homes are 36.46 per cent of the value of those subject to lien. Several averages show that the
rate of interest is 7.03 per cent; value of each owned and incumbered home, $2,584; lien on the same, $942, and
yearly interest charge on each home, $66.

Chicago is the only city in the state having a population of more than 100,000. In this city, 71.27 per cent of
the home families hire and 28.73 per cent own their homes; 43.17 per cent of the home owning families have
incumbrance on their homes, and 56.83 per cent own and occupy homes free of incumbrance. Among 100 home
families, on the average, 71 hire, 13 own with incumbrance, and 16 without incumbrance. Averages for each owned
and incumbered home: incumbrance $1,773; value, $4,623; interest charge for one year, $114; rate of interest,
6.44 per cent. Homes are incumbered for 38.36 per cent of their value.

Real estate purchase and improvements, when not associated with other objects, caused 79.17 per cent of the
farm families to incur 82.03 per cent of the farm debt and 86.74 per cent of the home families to incur 86.84 per
cent of the home debt.

Very respectfully,
CARROLL D. WRIGHT,
Commissioner of Labor in charge.

The SECRETARY OF THE INTERIOR.
Cc. O. P.—4m

9
4

TABLE 1.

FARMS, HOMES, AND MORTGAGES.

FARMS AND HOMES : 1890.

NUMBER AND PERCENTAGE OF FAMILIES OCCUPYING OWNED AND HIRED AND FREE AND INCUMBERED

|
FAMILIES OWNING.

PERCENTAGE OF
FAMILIES OWNING
AND HIRING.

i

PERCENTAGE OF

| FAMILIES OWNING
| FREE AND INCUM-
| BERED OF TOTAL

PERCENTAGE OF
FAMILIES OWNING
FREE AND INCUM-
BERED OF TOTAL

| Sl OWNING AND HIRING
E pao Aggre- | Families | | OWNING FAMILIES. |
CIVIL DIVISIONS. eae | | hiring. | i | FAMILIES,
I | i |
Lecter ss talon I ) | |
| | |
= . poe i I - || ©
| Total. Free. a | | Owning. | Hiring. | Free. Saat | Free. eo
|_ | I
iS ona | if | i | | | = ;
The State.... 778,015 | 386,374 || 260,124 126 ,250 | 391,641 49.66 50.34 | 67.32 32.68 33.43 16.23
| | | |—— | = = - | =
For farms....csscssccceereceeeseeeees| 202,958 || 160,065 || 101,305 58,760 i 92,888 | 63.28 36.72 I 63.29 36.71 | 40.05 23.23
DOG NOMES er esteesceecesnenscleraacs 525 ,062 226,309 || 158,819 67,490 || 298,753 | 43.10 56.90 | 70.18 29.82 || 30.25 12.85
= ——e = ——= = | —— = == | = —
Chicago (for homes)......:-.-se 219,690 | 63,124 35,876 27,248 156,566 | 28.73 71.27 | 56.83 43,17 16.33 12,40
= || = ——— ——_—— i= ol = a | ——— | —— | —
Twenty-three cities (for homes)..| 78,827 | 38 446 | 26 272 12,174 || 40,381 | 48.77 51.23 \ 68.33 31.67 || 33.33 15.44
|| | | |
PA COM cstres--cccacavercsenee=ncisesssvess 2,100 | , 886 | 753 | 183 | 1,214 42.19 57.81 | 84.99 15.01 | 35.86 6.33
Aurora 4,324 | 2,302 1,550 752 || 2,022 | 53.24 46.76 | 67.33 32.67 | 35.85 17.39
Belleville. 3,081 1,414 930 | 484 || 1,667 | 45,89 54.11 || 65.77 34.23 | 30.18 15.71
Bloomington.......... 4,324 2,361 1,571 790 | 1,963 54.60 45.40 || 66.54 33.46 | 36.33 18.27
2,193 757 623 134 || 1,436 | 34.52 65.48 | 82.30 7.70 | 28.41 6.11
Danville. 2,555 | 1,325 802 523 I 1,280 | 51.86 48.14 | 60.53 39.47 | 31.39 20.47
Decatur 3,690 1,888 1,258 630 \ 1,802 5L.AT 48.83 66.63 33.37 |) 34.09 17.08
East St. Louis 2,899 | 786 | 612 174 | 2,118 27.11 72.89 || 77.86 22.14 \ 21.11 6.00
Elgin 3,544 | 1,883 | 1,131 752) || 1,661 53.13 46.87 || 60.06 39.94 || 31.91 21.22
Freeport... | 2,295 | 1,311 | 937 374 | 984 57.12 42.88 71.47 28.53 | 40.83 16.2
Galesburg. “| 3,229 || 1,770 || 1,199 571 || 1,459 54.82 45.18 67.74 | 32.26 | 37.13 17.69
Jacksonville............,sc0cs.scc0s | 2,369 | 1,197 | 896 301 | 1,172 50.53 49.47 74,85 25.15 | 37.82 12.71
Joliet cant cou 3 4,067 | 2,246 | 1,274 972 |! 1,821 55.22 44.78 | 56.72 43.28 31.32 23.50
| i} | | i}
Kankakee... | 1,423 1 834 I 664 | 170 | 589 || 58.61 41.39 | 79.62 20.38 46.66 11.95
ICD EEM iceaasenbecedennososs ecocosceco4|| 1,651 — 1,031 | 796 235 620 || 62.45 87.55 | 77.21 22.79 48.21 14.24
Moline... 2,493 1,277 | 807 47 | 1,216 | 51.22 48.78 | 63.19 36.81 | 32.37 18.5
Ottawa... 2,053 Unie ye 931 266 856 58.30 41.70 77.78 22),.22 \ 45.35 12.95
Peoria... 8,519 3,498 2,276 1,222 5,021 || 41.06 58.94 65.07 . 314.93 | 26.72 14.34
Quincy... 6,637 2,835 | 2,101 734 3,802 I 42.72 57.28 | 7411 25.89 31.66 11.06
Rockford. 5,090 2,506 || 1,448 | 1,058 |, 2,584 || 49.98 50.77 | BS || oP | BE 20.78
Rock Island... 2,799 1,834 | 1,010 | 824 | 1,465 47 66 52.34 | 75.71 | 24.29 | 36.08 11.58
Springfield.. 5,256 2,551 1,752 799° || 2,705 | 48.54 51.46 68.68 | 31,32 33.34 | 15.20
Streator ..... 2,236 1,257 || 951 306 | 979 || 56.22 43.7. | 75.66 24.34 | 42.53 13.69
Rest of state (for homes) ........... 226,545 | 124,789 96,671 28 ,068 101,806 55.06 44.94 | 77.50 22.50 | 42.67 12.39
| | |

OWNERSHIP AND DEBT IN ILLINOIS. 3

‘TaBLE 2.—VALUE OF FARMS AND HOMES OCCUPIED BY OWNERS AND INCUMBERED AND AMOUNT AND PERCENTAGE
OF INCUMBRANCE THEREON : 1890.

i}
2 | Number of
| families Percentage
CIVIL DIVISIONS. OURS | Vian, Incumbrance. | Of ineum-
A with | | brance of
| incum- | value.
: brance. |

| FING }S tate iercccessesccsesseescsneses 126 ,250 $195 879 293 $177 ,476 ,698 85.79

| HOT ELAN IS tancescseeertenes st eertetasererr: | 58,760 | 285,706,170 © 98,940,935 34.63

sHorihomtes seettey seesaw ee 67,490 | 210,178,123 78,535,763 | 37.37

| |. =
Woticreol(ronrnomes een ee | 97,248 | 125,965,021 48,322,126 | 38.36
Twenty-three cities (for homes)...... 12,174 | 31,457,771 | 11,470,134 36.46
ie La i ee

133 | 336,860 118 , 267 35.11

752 | 1,850 ,085 691,037 | 37.35
| 484 | 1,232 354 | 501,769 | 40.72 |

| 790 | 1,709 546 | 622,610 36.42
| 134 268,317 | 101,085 37.67 |
523 | 1,818,423 | 518,848 | 39.35. |

630 | 1,531,304 489,943 32.00

174‘! 658 ,033 234,947 35.70

752 | 2,292, 37 813,204 | 35.48

Freeport... 374 | 816,240 321,392 39.37
Galesburg . 571 1,323,787 489,441 36.97 |
Jacksonville .. 301 715,012 | 276,229 38.63 |
Joliet 972 | 21952466 | 962,915 32.61 |

Kankakee. 170 | 391,374 | 133,264 34,05

Lasalle......... 235 | 480.437 | 156 ,522 32.58

| Moline ... 470 874,475 356 , 247 40.74

| Ottawa... 266 | 683,688 227,294 | 33.25

1 Ereacenotanunactoaseosactacanatoo acoOSceCe | 1,222 4,019,384 1,499,822 | 37.31

| 734 | 1,719,112 628 555 36.56
Rockford... 1,058 | 3,209,844 | 1,152,197 35.90 |
} Rock Island. 324 | 567 ,586 239 642 42.22 |

Springfield. 799 2,024,318 766 ,063 37.84

| Streator... 306 482,756 | 168,751 31.96

| = — = = ————
| Rest of state (for homes)........ ......... | 28,068 | 52,750,331 18,743 ,503 35.53

4 FARMS, HOMES, AND MORTGAGES.

TABLE 3.—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 =
1890.

| |
| | |
| | Average | Average aa
| J valueof | incum | noun [interest | vorer
| CIVIL DIVISIONS. H Thousne | brance on ieee charge | Barer:
lbered farm Sag im | charge. Oa EER interest.
onhome. | or home. farm or |
2 | | home.
| | | |
The Staterccnesctscsssreeceeee: | $3,928 | $1,406 | $12,101,865 gos | 6.82
| For farms... 4,862 1,684 | 6,849,004 uz7 | 6.92
| For homes... 3,114 | 1,164 5,252,861 78 | 6.69
Chicago (for homeS).......s0:...ssesceeeere 4,623 1,778 3,111,515 14 | 6.44
|
Twenty-three cities (for homes)...... 2,584 | 942 806 , 117 66 7.03
TMT oocoreconccecs A gucanueadaseeevocesiied wastes 2,533 | 889 7,481 56 | 6.28
2,460 | 919 48,943 6 | 7.08
Bellevillessucssrsacssoccseernntsocecrsess | 2,546 | 1,037 82,720 68 6.52
Blooming tone.cenvssiaceee aes 2,164 788 43,880 | 56 | 7.05
Cairo... 2,002 754 7,938 | 59 7.85 |
Danville.. 2,521 992 88 ,037 73) 7.33 |
2,431 | 778 37,439 | 59 | 7.64 |
a 3,782 | 1,350 | 16,857 | 97 Teale ||
neha | 3,048 | —-1,082 55,677 | 74 | 6.85 |
| FUTC@ POL bi. ...-cscenssrecsececesceosssnesensvaes | 2,182 | 859 | 22,214 | 59 6.91
Galesburg. EP sc dhvdateeoanudsasccd 2,318 | 857 | 37,679 66 7.70
Jacksonville ........ 2,375 | 918 19,016 | 63 6.90
Olle tapeercetesscesteheeare 3,038 | 991 70,717 73 7.34
Kankakee... 2,302 | 784 8,936 | 53 6.71 |
Lasalle... zal 2,044 666 10,352 | 44 6.61 |
Moline.... 1,861 758 | 26 ,803 | 57 7.52
| Ottawa... 2,570 854 | 15,806 | 59 6.95
Peoria... 2 3,289 1,227, | 101,928 | 83 6.80
Quincey .... 2,342 856 | 38,671 | 53 6.15
Rockford.......00 3,034 1,089 80,229 76 6.96
Rock Island.......... = 1,752 740 17,262 | 53 7.20 |
Springfield........... | 2,534 959 | 54,477 | 68 7sGl |)
Streatorssmssccterststeescesssenreerecsean: 1,578 | 551 | 13,075 | 43 7.75 |
| Rest of state (for homes) 1,879 | 668 | 1,335,229 | 48 7.12

Taste 4.—PERCENTAGE OF FAMILIES OCCUPYING OWNED AND HIRED AND FREE AND INCUMBERED FARMS
AND HOMES AND OF AMOUNT OF INCUMBRANCE THEREON, BY RATES OF INTEREST: 1890.

| THE STATE. |
| FOR HOMES IN |
oa ———————— = —_| errres oF 8,000 To || *O® EXOVNSIS 2054
| | 100,000 PEOPLE. | CHICAGO:
| For farms. | For homes. | |
| RATES OF INTEREST, 9 | || : ee pean fe ees Sar AES,
| | | |
| For | For | ato | | For | |
| |number | For number For | number) For | number, For
| of jamount.) of amount.| of | amount. of | amount.
| families. | | families. | 'families. | | families. |
| \ | |
OST. as : | | | AEG eae | | |
1.26 | 1.81 || 2.41 3.20 \ 2.23 | 2.23 3.35 4.05
| 6 per cent. 17.68 | 24.01 || 28.85 | 42.42 || 22.63 | 24.738 42.26 | 53.32 |
7 per cent... | 81.59 | 38.17 |) 27.70 | 26.63 || 82.57 | 86.21 || 34.34 | 24.66
lgShpericentseetsseeetrsteccss + (merdOFO7) | 20.61 | 34.26 17.95 | 36.53 28.99 11.30 | 7.11
6 to 8 per cent, inclusive... 96.84 | 97.55 96.07 95.84 || 96.09 96.32 95.68 | 95.29 |
Over 6 per cent 81.06 74.18 68.74 54.88 || 75.14 73.04 54.39 42.63 |

Over 8 per cent 1.90 | 0.64 || 1.52 0.96 | 1.68 1.45 | 0.97 0.66
Over 10 per cent... 0.36 | 0.07 0.34 | 0.22 | 0.43 0.34 0.21 0.16 |
Over 12 per cent... 0.19 | 0.02 | 0.15 | 0.07 | 0.26 0.18 0.07 | 0.04

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