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This analysis uses ABS Statistical Areas Level 2 (SA2) boundaries, which can materially differ from Suburbs and Localities (SAL) even when sharing similar names.
SA2 boundaries are defined by the Australian Bureau of Statistics and are designed to represent communities for statistical reporting (e.g., census and ERP).
Suburbs and Localities (SAL) represent commonly-used suburb/locality names (postal-style areas) and may use different geographic boundaries. For comprehensive analysis, consider reviewing both boundary types if available.
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ABS ERP | -- people | --
2021 Census | -- people
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Middle Ridge has an estimated 8,113 residents, up from 7,595 at the 2021 Census — a change of 518 people, or 6.8%. Growth has averaged 1.4% a year over five years. 117 new addresses have been validated here since Census night. Interstate and internal migration accounts for 62.1% of that increase. That puts 935 residents on each square kilometre. Population is estimated from ABS Estimated Resident Population releases and GNAF address data, re-based from the 2021 Census and updated annually.
Detail
According to findings from AreaSearch, the resident count in Middle Ridge stands at approximately 8,113 as of Aug 2026. Compared to the 7,595 people counted during the 2021 Census, this indicates an expansion of 518 people (6.8%). This net change draws upon the ABS Estimated Resident Population tally of 8,113 recorded in June 2025 alongside 117 validated new addresses registered following the Census. Demographic density is calculated at 934 persons per square kilometer, tracking closely with the broader benchmarks evaluated across AreaSearch regions. Middle Ridge's 6.8% post-census rise trails the SA3 region (9.3%) by only 2.5 percentage points, highlighting solid local growth dynamics.
Inflow from interstate migration served as the core catalyst, generating roughly 62.1% of recent net gains. Projections published jointly by the ABS and Geoscience Australia in 2024 (anchored to a 2022 baseline) are utilised by AreaSearch for local SA2 modeling. Where coverage is absent or extends beyond 2032, figures rely on 2023 Queensland State Government SA2 forecasts based on 2021 numbers. Because these state projections lack age-specific breakdowns, AreaSearch allocates cohort trends by applying proportional distributions from the 2023 ABS Greater Capital Region release (2022 base year). Looking toward future horizons, demographic expansion is anticipated to track slightly under national non-metropolitan medians, with Middle Ridge projected to gain 568 persons to 2041 relative to latest annual ERP benchmarks, representing an overall rise of 7.0% across the 16 years.
Frequently Asked Questions - Population
171 new dwellings have been approved in Middle Ridge over the past five years, an average of 34 a year. That places the area in the 51st percentile for residential development activity nationally, about 4 approvals per 1,000 residents a year. Of the 34 dwellings approved in the latest reporting year, 47% were detached houses and the rest townhouses or apartments. Figures come from ABS building approvals aggregated to this SA2 boundary and are updated monthly as the ABS releases them.
Detail
Over the past 5 financial years, residential building approvals across Middle Ridge have averaged roughly 34 dwellings annually, accumulating to 171 homes. Between FY-22 and FY-26, the area added an average of 3.3 new residents per year for every home built over the past 5 financial years, showing that construction volume is trailing population demand and driving buyer competition as well as upward valuation trends, with newly approved residences carrying an average construction value of $524,000. In addition, non-residential activity has seen $2.6 million in commercial approvals lodged this financial year, underscoring the dominant residential focus of the locality.
Per capita residential construction in Middle Ridge runs at approximately three-quarters the level recorded across Rest of Qld, sitting in the 33rd percentile across all nationwide areas assessed and indicating constrained buyer inventory alongside heightened competition for existing stock. Approved dwellings comprise 47.0% detached dwellings against 53.0% attached dwellings. This shift toward medium-density housing introduces accessible price points suited to downsizers, first-time purchasers, and investors. It diverges noticeably from the current neighborhood profile (where standalone houses account for 93.0%), pointing to limited remaining greenfield parcels while adapting to changing buyer preferences and budget considerations. A ratio of 442 people per approved dwelling underscores the suburb's subdued, low-intensity construction pipeline. Moving forward, the community is projected to welcome 568 residents through to 2041 based on recent quarterly estimates by AreaSearch. In light of prevailing development characteristics, oncoming residential inventory appears well placed to satisfy demographic requirements, supporting favorable conditions for purchasers and potentially enabling expansion above baseline forecasts.
Frequently Asked Questions - Development
Development applications around Middle Ridge
Loading development applications…
| Lodged | Address | Description | Type | Distance | Status |
|---|
SOURCE: Planning portals and council registers, compiled by AreaSearch. Distance & bearing measured from the suburb midpoint.
AreaSearch tracks 7 current infrastructure and development projects inside Middle Ridge, worth an estimated $249 million. A further 82 sit in the immediately surrounding suburbs, taking the tracked pipeline within reach of the area to $8.11 billion. 25 are already under construction and 24 are due for completion within three years. The pipeline spans residential development, education & training and sports & recreation. Records are compiled from Infrastructure Australia, state agencies, council planning portals and public announcements, reviewed and updated daily, then ranked by proximity, construction stage, completion horizon and project scale.
Detail
Capital investments, town planning strategies, and infrastructure initiatives play a pivotal role in shaping local growth. AreaSearch has pinpointed 13 key developments expected to influence the surrounding region, highlighted by projects such as Gainsborough Lodge, Kearney West Estate, 306 Ramsay Street Residential Development, and Gabbinbar Retirement Village.
Professional plan users can use the search below to filter and access additional projects.
INFRASTRUCTURE SEARCH
Denotes AI-based impression for illustrative purposes only, not to be taken as definitive under any circumstances. Please follow links and conduct other investigations from the project's source for actual imagery. Developers and project owners wishing us to use original imagery please Contact Us and we will do so.
Frequently Asked Questions - Infrastructure
542-558 Hume Street Residential Development
8.55ha landholding with 625m of dual street frontage to Hume Street and Pillar Street, zoned Low-Medium Density Residential and permitting up to 342 dwellings across a range of typologies including house and land, townhouses, and land lease community. The site sold on 13 June 2025 for 23.7 million dollars, achieving 277 dollars per square metre and setting a new suburb record as the largest development site transaction in Toowoomba since 2007. The Expressions of Interest campaign generated 19 competitive bids with a combined value of 338 million dollars.The site was acquired by a private developer whose identity has not been publicly disclosed. No development application has yet been lodged.
Gainsborough Lodge
A residential subdivision by Wagner Corporation featuring approximately 470 lots in Glenvale. Part of the expanding residential development in the Toowoomba region to accommodate growing population.
306 Ramsay Street Residential Development
Council-owned former nursery (2.05 ha) being divested via a two-stage EOI and tender led by Ray White Special Projects. Site is zoned Low-Medium Residential with achievable yields of 40-60 dwellings/ha; Council requires a minimum of 46 dwellings. Adjoins parkland with two street access points.
Gabbinbar Retirement Village
Retirement village featuring 52 independent living units and 46 townhouses, up to 2 storeys, adjacent to Gabbinbar Homestead.
Kearney West Estate
A master-planned residential estate comprising 350 lots across 8 stages in Kearneys Spring, Toowoomba. Stages 1-4 are fully sold with civil construction complete. Stage 5 (34 lots, 540-977m2) is approved but on hold pending Ergon Energy lowering high-voltage underground cables to allow construction of a new roundabout at West Street, Handley Street and Cadel Evans Drive. Remaining stages 6-8 are yet to be released. All lots feature levelled building pads, reticulated sewerage, underground power, NBN connectivity, landscaped detention basins, and pedestrian links to Carly Hibberd Park.
The Ninth Middle Ridge (Aura Holdings)
Luxury retirement village within Toowoomba Golf Club offering 74 independent living apartments across three low rise buildings with extensive resident facilities including gym, wine room, library, activity rooms, outdoor entertaining areas and golf buggy storage.
Dallang Road Residential Subdivision
42-lot residential subdivision delivered on a former 10 acre greenfield site bordering Menzies Street parkland in Middle Ridge, Toowoomba. Works included road upgrades and park embellishments. Project commenced March 2022 and reached completion January 2023, with lots sold out prior to completion.
Retirement Village (86 Units) - Single Storey
86-unit single-storey retirement village providing aged care accommodation and community facilities for seniors in the Toowoomba region.
4,016 residents of Middle Ridge are employed, from a labour force of 4,077. Unemployment sits at 1.5%, with participation at 61.7%. Weighted for its industry mix, the area's sectors are forecast to grow about 7.1% nationally over five years. That reflects industry composition only and makes no allowance for local population growth. The working-day population is estimated at 6,740, about 83% of the resident population, so more people leave the area for work than travel in. Unemployment and labour force come from ABS Small Area Labour Markets, updated quarterly; the industry and occupation profile is from the 2021 Census.
Detail
The local labor pool in Middle Ridge is characterized by high educational attainment and substantial representation in core public and social services, with joblessness sitting at an exceptionally low 1.5%. There were 4,016 working residents as of March 2026, keeping the local unemployment rate 2.4% below Regional Qld's 3.9%, even as labor force participation registered somewhat lower at 61.7% versus 64.2% across Regional Qld. Working from home was recorded among 10.4% of workers in Census returns, though pandemic-related movement restrictions should be taken into account. Resident employment centers predominantly around health care & social assistance, education & training, along with retail trade.
Health care & social assistance stands out as a major sector, engaging workers at 1.4 times the regional standard. Conversely, the construction sector is less prominent, employing 6.5% of Middle Ridge workers compared to 10.1% across Regional Qld. The largely residential fabric of the suburb translates to relatively few internal workplace positions relative to its working resident base as shown in Census employment metrics. Based on AreaSearch analysis of SALM and ABS data, the labour force in the period to March 2026 fell by 6.8%, employment dropped by 7.3%, and the unemployment rate climbed 0.5 percentage points. In contrast, Regional Qld saw employment grow by 0.1%, the labour force expand by 0.3%, and unemployment rise by 0.1 percentage points. Jobs and Skills Australia's national employment forecasts from Mar-26 provide additional context for anticipated future demand in Middle Ridge. These projections, which span five and ten-year horizons, have been overlaid onto the local employment profile to estimate growth trajectories. Although national employment is projected to grow by 6.6% over five years and 13.7% over ten years, sectoral growth rates vary considerably. When these industry-specific forecasts are applied to Middle Ridge's employment composition, local employment is expected to rise by 7.1% over five years and 14.7% over ten years. This estimate relies on a straightforward weighting extrapolation for illustrative purposes and does not incorporate localized population projections.
Frequently Asked Questions - Employment
Median household income in Middle Ridge is $2,177 a week (about $113,000 a year), with median personal income at $907 a week. ATO records put median taxable income at $66,086 a year against an average of $81,027. Household income is from the 2021 Census; taxable income is from ATO Taxation Statistics for the latest financial year available, indexed forward using the ABS Wage Price Index.
Detail
According to the latest ATO tax statistics analyzed by AreaSearch for financial year 2023, personal earnings in Middle Ridge SA2 rank among the top tiers nationwide, showing a median income of $66,086 alongside an average income of $81,027. These metrics significantly outpace Regional Qld, which recorded a median of $53,146 and an average of $66,593. Applying an 11.36% increase in the Wage Price Index since financial year 2023 yields updated benchmarks of roughly $73,593 (median) and $90,232 (average) as of March 2026. In the 2021 Census, aggregate household, family, and individual income tiers placed around the 72nd percentile across Australia.
Distribution data shows 32.8% of individuals earning between $1,500 - 2,999 weekly (2,661 residents), aligning with broader capital trends where 31.7% fall into this bracket. Meanwhile, 32.7% bring in more than $3,000 weekly, highlighting strong community affluence. Net income retention after housing costs reaches 88.9%, reinforcing substantial discretionary spending capacity, with SEIFA socio-economic indexes positioning the suburb in the 7th decile.
Frequently Asked Questions - Income
Middle Ridge had 2,600 occupied dwellings at the 2021 Census, 93% detached houses and 4% apartments. 35% are owned with a mortgage, 20% rented and 45% owned outright. At that Census the median rent was $420 a week and the median mortgage repayment $1,950 a month. Rent absorbs 19.3% of household income here and mortgage repayments 20.7%. Dwelling stock, tenure and housing costs are 2021 Census measures — the only source that counts dwellings at this boundary size.
Detail
Census records indicate that standalone houses represented 93.0% of Middle Ridge's housing stock, while apartments, semi-detached townhouses, and other dwellings accounted for the remaining 7.0%, compared with 76.4% houses and 23.6% other dwellings across Regional Qld. Outright home ownership stood at 44.9%, substantially higher than regional benchmarks, with 34.7% carrying a mortgage and 20.4% residing in rented properties. The median monthly mortgage payment was $1,950 compared to $1,655 in Regional Qld, while median weekly rent was recorded at $420 against $345 regionally. Relative to the Australian medians of $1,863 for mortgages and $375 for weekly rents, housing costs across Middle Ridge remain noticeably elevated.
Frequently Asked Questions - Housing
Middle Ridge counted 2,600 households at the 2021 Census, an estimated 2,777 today, averaging 2.7 people each. 38% are couples with children, against 35% couples without children. 17% of households are people living alone, and families average 2.0 children. Household and family composition is measured only by the Census, so these are 2021 figures.
Detail
Family units constitute 81.1% of all local residences, including 37.5% couples with children, 35.0% couples without children, and 7.6% single parent families. Non-family dwellings make up the remaining 18.9%, consisting of single-person households at 17.4% and share accommodation at 1.9%. The area records a median household size of 2.7 people, exceeding the 2.5 benchmark reported across Regional Qld.
Frequently Asked Questions - Households
34.4% of adults in Middle Ridge hold a university qualification, including 22.2% with a bachelor degree and 8.8% with postgraduate qualifications. A further 19.2% hold a vocational qualification. 2 schools serve the area, with 703 enrolment places and an average ICSEA of 1,049 against a national benchmark of 1,000. Qualifications come from the 2021 Census; school enrolments, ICSEA and results come from ACARA's current release.
Detail
Academic credentials among Middle Ridge residents exceed surrounding benchmarks by a wide margin, with 34.4% of individuals aged 15+ possessing higher education degrees, compared to 20.6% in Rest of Qld and 23.1% across the SA3 area. This solid academic foundation supports strong participation in professional sectors. Specific qualifications are led by bachelor degrees at 22.2%, postgraduate awards at 8.8%, and graduate diplomas at 3.4%. Vocational and trade qualifications are also well represented, with 29.7% of residents aged 15+ holding technical credentials, comprising advanced diplomas (10.5%) and certificates (19.2%). Formal study engagement is substantial, with 29.9% of the local population actively participating in educational programs.
Among these students, primary education accounts for 10.9%, secondary education comprises 9.8%, and tertiary education represents 4.6%.
Frequently Asked Questions - Education
Schools Detail
Public transport in Middle Ridge reaches 21 stops on 2 routes, timetabled for about 130 services a week. The typical home sits about 460 m from its nearest stop. Households keep an average of 1.7 vehicles. Stop and service counts are built from operators' published GTFS timetables and refresh with each timetable release; vehicle ownership is from the 2021 Census.
Detail
Public transit infrastructure in Middle Ridge features 21 active transit stops operating across the area, incorporating local bus services. Commuters are served by 2 separate bus routes that offer a total of 132 weekly scheduled trips. Transit accessibility is moderate, with residents being situated 460 meters from the nearest boarding point on average. Reflecting its suburban character, private vehicle travel dominates outward commuting, with cars used for 96% of journeys. Vehicle availability stands at an average of 1.7 per household, outpacing regional figures, while 10.4% worked from home at the 2021 Census during a period influenced by pandemic restrictions.
Timetables across all operational routes deliver an average frequency of 18 departures per day, translating to roughly 6 weekly trips per stop across the network.
Frequently Asked Questions - Transport
Transport Stops Detail
67.9% of residents in Middle Ridge report no long-term health condition. 8.0% need daily assistance with core activities, and 59.5% hold private health cover. The standardised death rate runs at 6.1 per 1,000 residents. Health conditions, assistance needs and insurance are 2021 Census measures; the death rate comes from current ABS releases.
Detail
Based on AreaSearch reviews of mortality statistics and chronic health patterns, Middle Ridge registers below-average health outcomes, with common conditions observed across younger and older demographics alike. Concurrently, private health insurance coverage is remarkably high, held by approximately 60% of residents (4,827 people), compared to 52.5% across Regional Qld. The two most prevalent health issues recorded locally are arthritis, affecting 9.2% of the population, and asthma, reported by 7.3%, while 67.9% of residents indicated no long-term medical ailments, comparable to 67.6% across Regional Qld. Residents aged under 65 experience above-average wellness indicators.
Seniors aged 65 and over make up 23.8% of the community (1,932 people), exceeding the 20.3% share observed in Regional Qld, with older residents experiencing some health challenges that align closely with broader national norms.
Frequently Asked Questions - Health
Middle Ridge is largely Australian-born, at 79.4% of residents, with 15.5% speaking a language other than English at home. The largest reported ancestries are English (27.8%) and Australian (24.0%). Ancestry, language and country of birth are counted only by the Census, so these are 2021 figures.
Detail
Middle Ridge displays above-average cultural breadth, with 20.6% of residents born abroad and 15.5% using a non-English language at home. Christianity represents the predominant faith, practiced by 66.1% of the community, which contrasts with 52.2% across Regional Qld. Regarding parental ancestral heritage, the leading backgrounds identified across Middle Ridge are English (27.8%), Australian (24.0%), and Irish (9.7%). Clear differences emerge in several other ancestral lineages: German heritage accounts for 7.9% locally (against 4.7% regionally), Scottish heritage stands at 8.7% (compared to 7.8%), and South Australian ancestry represents 0.7% (versus 0.5%).
Frequently Asked Questions - Diversity
The median resident of Middle Ridge is 43. 19.6% of residents are aged 15 to 34. Age cohorts are not raw Census counts: the Census split is re-based to the latest ABS population estimates and state projections.
Detail
The age distribution in Middle Ridge largely mirrors broader Regional Qld trends, with the largest divergence across the four major demographic brackets being 4.4 percentage points. As at August 2026, the estimated median age is 43, unchanged from the 2021 Census, which sits 2 years above the Regional Qld median of 41 and above the national median of 38 recorded at that Census. Since the Census, the cohort aged 45 - 64 has reduced from 25.7% to an estimated 23.7%. Long-term projections indicate that older cohorts aged 65+ will experience the largest expansion to 2041, increasing by 435 (23%) to reach 2,368, whereas youth and young adult groups are expected to contract.
Frequently Asked Questions - Age
Data & MethodBoundaries, Sources & Method for Middle Ridge
9 of 14 data sections on this page were updated within the last 12 months — the newest current to Sep 2026.
Everything is aggregated to the SA2 boundary shown above, on a 2021 Census baseline. Only 3 sections — housing, households and cultural diversity — still wait on the 2026 Census.
The ledger — source, cycle and currency by section
| Section | Source & update cycle | Currency |
|---|---|---|
| Updated within the last 12 months 9 sections | ||
| Population | ABS, GNAF, Geoscience Australia Annual (ABS ERP) | Aug 2026 last month headline measures · 2021 Census baseline |
| Re-based to the ABS Estimated Resident Population (June 2025 release) and updated with new dwellings from GNAF address data. Current to Aug 2026, with the 2021 Census supplying the small-area baseline. | ||
| Age profile | ABS, Geoscience Australia, State governments Annual | Aug 2026 last month headline measures · 2021 Census baseline |
| Age cohorts are re-based to the latest ABS population estimates and state projections, current to Aug 2026. Each cohort is held as a Census baseline and a current estimate. | ||
| Development & approvals | ABS, GNAF Monthly (ABS approvals) | Aug 2026 last month headline measures · Jul 2026 baseline |
| Property sales & rents | Valuer General, Rental Board, ABS Weekly sales, quarterly rents | Sep 2026 this month all 21 measures |
| Sales from the state Valuer General register, refreshed weekly, and rents from quarterly rental bond lodgements. Both are read live each time this page loads, current to Sep 2026. | ||
| Infrastructure projects | Infrastructure Australia, State agencies, Local governments Daily | Aug 2026 last month all 7 projects tracked here |
| Project pipeline maintained continuously from Infrastructure Australia, state agencies, local government and public announcements. Records are added and revised daily; this area was last updated Aug 2026. | ||
| Employment | ABS, DEWR, JSA Quarterly (ABS SALM) | Mar 2026 6 months ago headline measures · 2021 Census baseline |
| Unemployment and labour force from ABS Small Area Labour Markets, current to Mar 2026. The growth outlook applies Department of Employment (now Jobs and Skills Australia) forecasts for all 19 industry divisions to the local industry mix, so it measures sector composition rather than local expansion and makes no allowance for population growth. Job demand comes from the same agency via its Internet Vacancy Index; industry and occupation structure from the 2021 Census. | ||
| Education | ABS, ACARA Annual (ACARA) | Aug 2026 last month headline measures · 2021 Census baseline |
| Transport | ABS, State Transport Departments Each timetable release | Jul 2026 2 months ago headline measures · 2021 Census baseline |
| Services & amenities | Provider directories, ACECQA Continuous | Jul 2026 2 months ago all 14 measures |
| Annual and financial-year sources 2 sections | ||
| Income | ABS, ATO Annual (ATO) | FY 2023 3 years ago headline measures · 2021 Census baseline |
| ATO taxable income statistics for FY 2023, indexed forward using the Wage Price Index. Census household income provides the distribution detail. | ||
| Health | ABS, ATO Annual | 2024 2 years ago headline measures · 2021 Census baseline |
| Census-measured — next update: 2026 Census 3 sections No more current small-area source exists for these, so they are labelled as Census-measured rather than implied to be current. | ||
| Housing | ABS 5-yearly (Census) | 2021 Census next update 2026 all 30 measures |
| Households | ABS 5-yearly (Census) | 2021 Census next update 2026 all 18 measures |
| Cultural diversity | ABS, Geoscience Australia 5-yearly (Census) | 2021 Census next update 2026 all 44 measures |
"Currency" is the most recent release feeding that section. Where the Census supplies the structural baseline underneath a current headline figure, the row says so.
How the numbers are built
Population
The Census provides the small-area baseline, aggregated from mesh blocks to this boundary. It is then re-based to the ABS Estimated Resident Population (June 2025 release), and new dwellings built since Census night are counted from address data — 117 validated new addresses here. The headline figure is therefore a current estimate for Aug 2026, not a 2021 count (7,595 at the 2021 Census → 8,113 now). Annual growth rates are compound (CAGR), not simple averages.
Age profile
Cohort shares are not raw Census counts. Every cohort is held as a pair — the Census baseline and a current estimate — and the split is re-based using ERP and state population projections, current to Aug 2026. Median age is the Census median plus modelled change since. Charts that show both are labelled "2021 Census vs Current Estimate".
Property sales
Sourced from the state valuation authority's sales register — current, not Census, and refreshed weekly. Medians are calculated from settled transactions in the period shown; periods with very low transaction counts are flagged or suppressed, because a handful of sales can move a median substantially.
Rents
Derived from state rental bond lodgement data, by dwelling type and bedroom count. Bonds are lodged at the start of a new tenancy, so this reflects new lettings, not the whole rented stock.
Development & infrastructure
Building approvals come from current ABS releases; development applications are collected from council and state planning portals; the infrastructure pipeline is compiled from Infrastructure Australia and local government sources. Applications are matched to this boundary by address or coordinates, so very recent lodgements may not yet appear.
Employment & income
Industry and occupation structure comes from the Census, but the headline labour-market indicators do not. Unemployment and labour force are derived from ABS Small Area Labour Markets (quarterly). The employment outlook applies Department of Employment forecasts for all 19 industry divisions to this area's own industry mix (the agency is now Jobs and Skills Australia), as does the Internet Vacancy Index used for job demand. Because it is weighted on industry composition alone, that outlook carries no allowance for local population growth — in fast-growing areas the real rise in local jobs will typically be higher. Income combines Census household income with ATO taxable-income statistics for FY 2023, indexed forward using the Wage Price Index.
Education, transport & amenities
School enrolments, ICSEA and performance come from ACARA's current release, not the Census. Public transport stops and service frequency are derived from GTFS timetable feeds published by state transport departments. Services and amenities are proximity and count scores built from provider directories, refreshed on their own cycle. The Census contributes only the travel-to-work and qualification measures.
Rankings and benchmarks. Where we rank this area, the comparison set is every area of the same boundary type — suburbs against suburbs, SA2s against SA2s. Benchmarks compare this area against its greater capital city region and the national figure for the same measure and period.
Limits worth knowing. Small areas carry larger error margins, and the ABS introduces small random adjustments to Census counts to protect confidentiality — so totals may not sum exactly. Estimates re-based from regional data describe the area's expected trajectory, not a direct count of it. Figures are indicative for research and are not financial, planning or valuation advice.
Cross-check us. The Census baseline for this boundary is at ABS 2021 Census QuickStats (317011452). QuickStats reports 2021 only — the figures on this page are more current wherever the ledger shows a later date.