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This analysis uses Suburbs and Localities (SAL) boundaries, which can materially differ from Statistical Areas (SA2) even when sharing the same name.
SAL boundaries are defined by Australia Post and the Australian Bureau of Statistics to represent commonly-known suburb names used in postal addresses.
Statistical Areas (SA2) are designed for census data collection and may combine multiple suburbs or use different geographic boundaries. For comprehensive analysis, consider reviewing both boundary types if available.
est. as @ -- *
2021 Census | -- people
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Cheltenham (Vic.) has an estimated 26,278 residents, up from 23,992 at the 2021 Census — a change of 2,286 people, or 9.5%. Growth has averaged 1.2% a year over five years. 503 new addresses have been validated here since Census night. Overseas migration accounts for 84.0% of that increase. That puts 2,498 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
Based on demographic assessments of ABS regional updates and newly confirmed residential addresses by AreaSearch following the Census, the suburb of Cheltenham (Vic.) has an estimated population of 26,278 as of May 2026. This represents a 9.5% expansion, or an additional 2,286 people, compared to the 23,992 individuals recorded during the 2021 Census. This adjustment is based on a resident count of 26,202 established by AreaSearch using the ABS June 2025 ERP release, combined with 503 validated new addresses registered after the Census. Consequently, the local density stands at 2,497 persons per square kilometer, which ranks in the top quarter of Australian locations analyzed by AreaSearch.
The 9.5% rate of growth in the suburb of Cheltenham (Vic.) since the 2021 census outpaced both the broader SA4 territory's 8.0% growth and the state average, positioning it as a regional growth leader. The primary driver of this demographic expansion was overseas migration, which accounted for approximately 84.0% of the overall population rise in recent times. Projections from ABS and Geoscience Australia, published in 2024 using 2022 as their baseline, are applied by AreaSearch for each SA2 region. Where such data is unavailable, projections are sourced from the 2023 Victorian State Government Regional/LGA releases, scaled from LGA to SA2 levels via weighted growth aggregation. These aggregated age-group growth rates are projected forward for the years 2032 to 2041. Looking at upcoming demographic shifts, the suburb of Cheltenham (Vic.) is anticipated to experience population growth exceeding the national median, with aggregated SA2 models predicting an expansion of 5,454 residents by 2041, representing a total increase of 20.5% over the 16 years.
Frequently Asked Questions - Population
1,056 new dwellings have been approved in Cheltenham (Vic.) over the past five years, an average of 211 a year. That places the area in the 85th percentile for residential development activity nationally, about 8 approvals per 1,000 residents a year. Of the 174 dwellings approved in the latest reporting year, 16% were detached houses and the rest townhouses or apartments. Approvals are currently running at an annualised 139, well below that longer-run average. Figures come from ABS building approvals aggregated to this Suburb (SAL) boundary and are updated monthly as the ABS releases them.
Detail
Based on AreaSearch's evaluation of building approvals recorded by the ABS at the local level, Cheltenham has seen an average of about 211 residential permits issued annually. This accumulates to approximately 1,056 approved dwellings over the 5 fiscal years spanning FY-21 to FY-25, alongside 128 registered during FY-26 so far. Over those 5 fiscal years spanning FY-21 to FY-25, the local population grew by 1.4 residents for every new dwelling constructed, indicating a healthy equilibrium between supply and demand that supports stable market conditions. The average estimated building cost for these new residences is $617,000, which points to developers focusing on high-end, premium housing projects.
Additionally, commercial building approvals have reached $45.9 million this financial year, reflecting strong local business investment. Recent residential construction consists of 16.0% detached single-family homes and 84.0% multi-unit structures like townhouses and apartments. This emphasis on higher-density options offers more budget-friendly entry points and caters to downsizers, investors, and first-time buyers. This trend represents a major departure from the established residential landscape, where houses currently make up 58.0% of the property mix, driven by a scarcity of vacant land and shifting lifestyle and budgetary preferences. The area currently records approximately 119 people per dwelling approval, showing a growing market. According to the most recent quarterly estimates by AreaSearch, Cheltenham is projected to add 5,378 residents by 2041. The current volume of home construction appears to align well with this projected demand, supporting stable property market conditions without causing significant price escalation.
Frequently Asked Questions - Development
Development applications around Cheltenham (Vic.)
SOURCE: Planning portals and council registers, compiled by AreaSearch. Distance & bearing measured from the suburb midpoint.
AreaSearch tracks 9 current infrastructure and development projects inside Cheltenham (Vic.), worth an estimated $32.9 billion. A further 98 sit in the immediately surrounding suburbs, taking the tracked pipeline within reach of the area to $54.4 billion. 37 are already under construction and 40 are due for completion within three years. The pipeline spans residential development, communities, precincts & urban renewal and communities. 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
Local infrastructure projects, planning changes, and major works are significant drivers of regional development. AreaSearch has identified 20 projects with the potential to affect this area. Key developments include Sanctuary Sandringham, Suburban Rail Loop East - Cheltenham Station, Cheltenham Precinct Structure Plan - Suburban Rail Loop East, and Banksia Apartments Cheltenham, with specific details on the most relevant projects listed below.
Professional plan users can use the search below to filter and access additional projects.
INFRASTRUCTURE SEARCH
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Frequently Asked Questions - Infrastructure
Suburban Rail Loop East - Cheltenham Station
Major underground metro station as part of the 26km Suburban Rail Loop East project. Located approximately 17m below ground under Sir William Fry Reserve, the station will serve as the southern gateway to the SRL network and provide a critical interchange with the existing Frankston line. Features include a new bus interchange, enhanced pedestrian and cycling paths, and a dedicated bridge over Bay Road connecting the station to Southland Shopping Centre. Works are currently focused on utility relocations and site preparation for the launch of tunnel boring machines.
Cycle Sandringham Infrastructure
Safer cycling connection linking Sandringham Train Station to Sandringham Family Leisure Centre via Melrose St, Beach Rd, Royal Ave, Spring St and Tulip St. Stage 1 Section 1 works commenced to improve bike safety and supporting infrastructure; Stage 2 planned in 2025/26 subject to budgets and approvals.
Banksia Apartments Cheltenham
Contemporary urban living development at 216-226 Charman Road, Cheltenham. Luxury apartments in heart of growing suburb near Beaumaris.
48 Station Road Mixed-Use Development
A permit-approved five-level mixed-use development in the Cheltenham Activity Centre, featuring 18 residential apartments and 339 sqm of commercial space. The development includes 27 basement car parking spaces and has a total gross floor area of 2,288 sqm. Located within 300 metres of Cheltenham Train Station and 1km from Westfield Southland Shopping Centre.
7-21 Station Road Apartments
A nine-storey mixed-use apartment development featuring 63 residences, including studios, one, two, and three-bedroom apartments, with ground floor retail spaces. Located near Cheltenham Station, it aims to increase housing density in a transit-oriented location with modern amenities and sustainable features.
Southpoint Highett
New apartment development by H1Land Group designed by Rothelowman architects. Features two buildings: a 12-level tower with 360-degree views and a 4-level boutique building. Includes 217 apartments (1-3 bedrooms) with rooftop amenities, plunge pool, and sunset bar. Located opposite Westfield Southland. As of July 2025, construction has faced a stoppage due to a dispute with the Suburban Rail Loop authority over compensation for underground land acquisition.
48 Station Road Apartments
A five-storey mixed-use development featuring 18 apartments (9 one-bedroom, 8 two-bedroom, 1 three-bedroom), basement car parking with 27 spaces, and additional commercial office space. The project aims to increase housing density near Cheltenham Station with modern residential design and landscaping.
Neue Highett
74 one & two bedroom apartments plus six townhomes designed by ClarkeHopkinsClarke. Offers contemporary style with premium Bosch appliances, stone benchtops and expansive terraces.
13,937 residents of Cheltenham (Vic.) are employed, from a labour force of 14,777. Unemployment sits at 5.7%, with participation at 68.1%. Weighted for its industry mix, the area's sectors are forecast to grow about 6.7% nationally over five years. That reflects industry composition only and makes no allowance for local population growth. Unemployment and labour force come from ABS Small Area Labour Markets, updated quarterly; the industry and occupation profile is from the 2021 Census.
Detail
Cheltenham features a highly educated labor force with a substantial share of workers employed in professional fields, an unemployment rate of 5.7%, and relatively stable employment over the past year, according to AreaSearch's regional analysis. By March 2026, the employed population numbered 13,937 residents, with an unemployment rate that is 0.9% higher than Greater Melbourne's rate of 4.8%. The labor force participation rate stands slightly lower than the metropolitan benchmark, sitting at 68.1% compared to 70.2% in Greater Melbourne. According to Census data, a notable 39.3% of the working population performed their duties from home, though this figure was likely influenced by Covid-19 restrictions.
The primary employment sectors for local residents are health care & social assistance, professional & technical services, and retail trade. The local workforce shows a strong concentration in finance & insurance, with its employment share reaching 1.2 times the metropolitan average. Conversely, transport, postal & warehousing is underrepresented, employing only 3.3% of the local workforce compared to 5.2% across Greater Melbourne. With a ratio of 0.7 jobs for every resident at the time of the Census, the area offers a higher level of local employment opportunities than typically observed. According to AreaSearch’s examination of SALM and ABS figures compiled from larger statistical regions, employment rose by 0.4% while the labour force shrank by 0.2% during the year ending March 2026, which pushed the unemployment rate down by 0.6 percentage points. In contrast, Greater Melbourne saw employment grow by 2.1%, the labour force expand by 2.3%, and unemployment climb by 0.2 percentage points. Insights from Jobs and Skills Australia’s national employment outlooks issued in May-25 may help gauge upcoming demand in Cheltenham. These forecasts span five and ten year horizons and were overlaid onto Cheltenham’s current employment composition to project future trends. Nationally, employment is projected to grow by 6.6% over five years and 13.7% over ten years, though expansion varies considerably across sectors. When these sectoral rates are applied to Cheltenham’s job mix, the area is expected to see employment rise by 6.7% over five years and 13.8% over ten years, though this estimate relies on basic weighting for demonstration and does not incorporate local population trends.
Frequently Asked Questions - Employment
Median household income in Cheltenham (Vic.) is $1,919 a week (about $100,000 a year), with median personal income at $924 a week. ATO records put median taxable income at $60,012 a year against an average of $77,720. 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
The latest postcode-level figures from the ATO for the 2023 financial year show that incomes in Cheltenham are exceptionally high by national standards, with a median of $60,012 and an average of $77,720. In comparison, Greater Melbourne recorded a median of $57,688 and an average of $75,164. Factoring in a 9.62% rise in the Wage Price Index since the 2023 financial year, current estimates would stand at roughly $65,785 for the median and $85,197 for the average as of March 2026. Data from the 2021 Census shows that household, family, and individual incomes in Cheltenham generally sit around the 65th percentile nationally.
The distribution shows that the weekly income bracket of $1,500 - 2,999 contains 29.0% of the population, which equals 7,620 individuals, matching the wider regional trend of 32.8% in this category. High housing expenses account for 16.4% of total earnings, yet strong wages keep disposable income levels at the 60th percentile, placing the area in the 8th decile of the SEIFA index.
Frequently Asked Questions - Income
Cheltenham (Vic.) had 9,463 occupied dwellings at the 2021 Census, 58% detached houses and 19% apartments. 38% are owned with a mortgage, 28% rented and 34% owned outright. At that Census the median rent was $430 a week and the median mortgage repayment $2,200 a month. Rent absorbs 22.4% of household income here and mortgage repayments 26.5%. Dwelling stock, tenure and housing costs are 2021 Census measures — the only source that counts dwellings at this boundary size.
Detail
According to the latest Census, residential structures in Cheltenham consisted of 58.4% detached houses and 41.6% semi-detached properties, townhouses, and apartments, compared to Greater Melbourne's split of 67.9% houses and 32.1% other dwellings. The rate of home ownership was higher than the metropolitan average at 33.8%, with the remaining properties being mortgaged at 38.3% or rented at 27.8%. The median monthly mortgage payment in the area was higher than the Greater Melbourne average at $2,200, and the median weekly rent was $430, compared to metropolitan averages of $2,000 and $390 respectively.
Nationally, mortgage costs in Cheltenham are significantly above the Australian median of $1,863, and weekly rents are also well above the national median of $375.
Frequently Asked Questions - Housing
Cheltenham (Vic.) counted 9,463 households at the 2021 Census, an estimated 10,365 today, averaging 2.4 people each. 33% are couples with children, against 24% couples without children. 29% of households are people living alone, and families average 1.4 children. Household and family composition is measured only by the Census, so these are 2021 figures.
Detail
Families make up 68.5% of all households, with couples with children representing 32.8%, couples without children representing 23.7%, and single parents representing 10.9%. Non-family households comprise the remaining 31.5%, with single-person households at 28.9% and group households at 2.6%. The median household size is 2.4 people, which is smaller than the Greater Melbourne average of 2.6.
Frequently Asked Questions - Households
38.4% of adults in Cheltenham (Vic.) hold a university qualification, including 25.4% with a bachelor degree and 9.3% with postgraduate qualifications, higher than 87% of areas nationally. A further 16.2% hold a vocational qualification. 6 schools serve the area, with 2,340 enrolment places and an average ICSEA of 1,094 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
The educational profile of the area is distinct, with 38.4% of residents aged 15+ holding a university degree, exceeding the national average of 30.4%. Bachelor degrees are the most common qualification at 25.4%, followed by postgraduate degrees at 9.3% and graduate diplomas at 3.7%. Technical and trade qualifications are also common, with 28.4% of residents aged 15+ holding vocational qualifications, split between advanced diplomas at 12.2% and certificates at 16.2%. Enrolment in education is high, with 28.1% of the population currently studying. This consists of 9.2% of residents in primary school, 7.3% in secondary school, and 5.2% enrolled in tertiary institutions.
Frequently Asked Questions - Education
Schools Detail
Public transport in Cheltenham (Vic.) reaches 134 stops on 27 routes, timetabled for about 6,200 services a week. The typical home sits about 200 m from its nearest stop. Buses carry the largest share of public transport commuters. Households keep an average of 1.2 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
Analysis of transport options shows 134 active transit stops in Cheltenham, consisting of bus services. These stops are served by 27 separate routes, which support 6,161 passenger journeys weekly. Transport access is rated as high, with residents living an average of 195 meters from their nearest stop. Because the area is mostly residential, many workers commute out of the suburb, with private cars being the primary mode of transport at 84%, followed by trains at 7%. Vehicle ownership stands at an average of 1.2 cars per household. A high proportion of residents, 39.3%, work from home, based on 2021 Census data, which may reflect pandemic-era conditions.
Services average 880 runs daily across all routes, which translates to roughly 45 weekly departures per stop. The accompanying map displays the 100 closest transit stops to the central point of the area.
Frequently Asked Questions - Transport
Transport Stops Detail
70.3% of residents in Cheltenham (Vic.) report no long-term health condition. 6.5% need daily assistance with core activities, and 57.5% hold private health cover. The standardised death rate runs at 5.3 per 1,000 residents. Health conditions, assistance needs and insurance are 2021 Census measures; the death rate comes from current ABS releases.
Detail
Cheltenham displays positive health trends based on AreaSearch assessments of mortality and chronic illnesses, with a low prevalence of common conditions in the general population, though rates are higher than the national average among older, vulnerable groups. Additionally, private health insurance uptake is high, covering approximately 58% of the population, which equates to about 15,109 people. The most frequently reported health concerns are mental health conditions and asthma, affecting 7.8% and 7.6% of residents, respectively. Meanwhile, 70.3% of the population reported having no chronic medical conditions, compared to 72.6% in Greater Melbourne.
Residents under the age of 65 experience better-than-average health outcomes. The demographic profile includes 19.5% of residents aged 65 and over, representing 5,124 people, which is higher than the Greater Melbourne proportion of 15.0%, though this cohort ranks lower in health measures nationally than the younger local demographic.
Frequently Asked Questions - Health
31.3% of Cheltenham (Vic.) residents were born overseas and 25.1% speak a language other than English at home. The largest reported ancestries are English (23.9%) and Australian (21.0%). Ancestry, language and country of birth are counted only by the Census, so these are 2021 figures.
Detail
Cheltenham exhibits higher cultural diversity than most local property markets, with 31.3% of residents born outside Australia and 25.1% speaking a non-English language at home. Christianity is the most common religious affiliation, representing 46.1% of the population. The most distinct religious concentration is Judaism, which accounts for 1.5% of residents, compared to 1.0% across Greater Melbourne. Regarding ancestry (based on parents' country of birth), the three most common backgrounds are English at 23.9%, Australian at 21.0%, and Other at 10.2%. There are also notable differences in specific ethnic groups compared to the wider region: Russian ancestry is overrepresented at 1.2% in Cheltenham (compared to 0.4% regionally), Greek ancestry at 4.6% (compared to 2.7%), and Hungarian ancestry at 0.4% (compared to 0.3%).
Frequently Asked Questions - Diversity
The median resident of Cheltenham (Vic.) is 40. 22.3% 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 median age of residents is 40, which is higher than the Greater Melbourne median of 37 and slightly above the national median of 38. The 75 - 84 age bracket is overrepresented at 7.1% compared to the metropolitan average, while 25 - 34 year-olds are underrepresented at 11.1%. Since 2021, the 15 to 24 age bracket has increased from 10.2% to 11.2% of the population, while the 25 to 34 age bracket decreased from 12.6% to 11.1%. Projections suggest Cheltenham's age distribution will change by 2041, with the 45 to 54 cohort expected to grow by 28%, adding 1,000 people to increase from 3,600 to 4,601, while the 0 to 4 cohort is expected to grow by 1%, adding 19 children.
Frequently Asked Questions - Age
Data & MethodBoundaries, Sources & Method for Cheltenham (Vic.)
9 of 14 data sections on this page were updated within the last 12 months — the newest current to Aug 2026.
Everything is aggregated to the Suburb (SAL) 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) | May 2026 3 months ago 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 May 2026, with the 2021 Census supplying the small-area baseline. | ||
| Age profile | ABS, Geoscience Australia, State governments Annual | May 2026 3 months ago headline measures · 2021 Census baseline |
| Age cohorts are re-based to the latest ABS population estimates and state projections, current to May 2026. Each cohort is held as a Census baseline and a current estimate. | ||
| Development & approvals | ABS, GNAF Monthly (ABS approvals) | Jun 2026 2 months ago headline measures · May 2026 baseline |
| Property sales & rents | Valuer General, Rental Board, ABS Weekly sales, quarterly rents | Aug 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 Aug 2026. | ||
| Infrastructure projects | Infrastructure Australia, State agencies, Local governments Daily | Aug 2026 this month all 9 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 5 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 this month headline measures · 2021 Census baseline |
| Transport | ABS, State Transport Departments Each timetable release | Jul 2026 last month headline measures · 2021 Census baseline |
| Services & amenities | Provider directories, ACECQA Continuous | Jul 2026 last month 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 — 503 validated new addresses here. The headline figure is therefore a current estimate for May 2026, not a 2021 count (23,992 at the 2021 Census → 26,278 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 May 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 (SAL20539). QuickStats reports 2021 only — the figures on this page are more current wherever the ledger shows a later date.