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Black Housing, White Finance: African American Housing And Home Ownership In Evanston, Illinois, Before 1940 - Statistical Data Included
Journal of Social History, Winter, 1999 by Andrew Wiese
(49.) Construction costs listed on Evanston building permits were a maximum cost which builders were not to exceed. A small tax (.1 percent of estimated cost) gave builders a small incentive to underestimate costs.
(50.) The average construction cost of early homes was less than $1,500. African American-owned homes averaged $900 (n=27, 8 homes were owned by African Americans). City of Evanston, Building Permits (EHS).
(51.) 2100 Emerson Street, ibid; Bruner, "General Survey," 36, also plate VI., photograph no. 7.
(52.) Fenton Turck to Franklin Gray and Wife (of Oak Park, Illinois) October 13, 1923, Deed Locator 19122, Torrens Deed Dockets 241, 618.
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(53.) Based on sample of building permits for 22 houses in Culver's addition. City of Evanston, Building Permits; also list prices of $12,000 and $12,500 for 1919 and 1937 Grey Avenue, North Shore Guide, January 26, 1929, see Evanston-Buildings-Razed, YMCA Emerson Street, Box 242, (EHS).
(54.) E.g., block 3, lots 25-26, 41-42, 45-46, Culver's Addition to Evanston, Torrens Deed Docket 241. Also, a row of four bungalows at 1802-1808 Foster Street, October, 1923, and three bungalows, 1817-1823 Lyons Street, October, 1924, ibid; James J. Barbour, Obituary, Evanston Review, April 4, 1946, p. 94; James J. Barbour, "A City Lawyer," Evanston Review, December 28, 1939, Clippings File, James J. Barbour (Evanston Public Library, Evanston, Illinois).
(55.) Brick bungalows at 2008 Grey Avenue and 2026 Emerson. Two-flats at 1919, 1921 and 1937 Grey. City of Evanston, Building Permits; Partners included builders James W. Jackson, John Wesley Banks, and George Dunn, architect W.J. Bailey (of Chicago) and real estate agent William Henry Dixon; also Polk's Evanston and North Shore Directory, 1925, 1931; Bruner, "A General Survey," 35-6; North Shore Guide, January 26, 1929.
(56.) These homes cost from four to eight times the combined yearly income of the "average" black working couple. In 1924, an African American janitor in Evanston might earn $1,000 to $1,500 in a year; domestic servants earned $750 to $900. Bruner, "General Survey," 36, 44-47.
(57.) Albert G. Hinman, "An Inventory of Housing in a Suburban City," Journal of Land and Public Utility Economics 7 (May, 1931), 169-180; Sixteenth Census of the United States: 1940, Housing: Block Statistics, 8-9.
(58.) 1829 Grey Avenue, City of Evanston, Building Permits; also, Hovland's Addition, Block 3, Lot 15, Torrens Deed Docket, 240E. Note, nor all sources of credit must be recorded as a lien against property. "Equitable mortgages" may be secured by contract but not recorded with the county. However, building without a mortgage was not uncommon in working class subdivisions where owner building was common. Wiese, "Places of Our Own."
(59.) Block 1, lots 15-16, Hovland's Addition, Torrens Deed Docket 240E.
(60.) Chicago Title and Trust made 36 (of 87) mortgage loans in Hovland's addition between 1915 and 1930. Ibid.
(61.) Sample of 32 mortgages on the 1800 blocks of Brown and Grey Avenues: 13 first mortgages, 19 second or third mortgages. Three-fourths of first mortgages were construction loans. Torrens Deed Docket 240E.
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