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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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Chisholm (ACT) has an estimated 5,282 residents. That puts 1,704 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
Analysis of ABS demographic updates for the wider region, alongside new addresses verified by AreaSearch since the Census, indicates the population of the suburb of Chisholm (ACT) is approximately 5,282 as of May 2026. This represents a gain of 14 people (0.3%) from the 2021 Census, which documented a population of 5,268 individuals. This shift is derived from a resident population of 5,277, estimated by AreaSearch using the latest ERP data release from the ABS (June 2025) plus an additional 15 validated new addresses since the Census date. The population size corresponds to a density of 1,703 persons per square kilometer, exceeding the typical ratio recorded across nationwide areas analysed by AreaSearch.
The 0.3% post-census growth rate for Chisholm (ACT) is within 1.1 percentage points of the broader SA3 region (1.4%), indicating competitive expansion dynamics. Population expansion in this locality was mostly driven by natural increase, which made up approximately 66.0% of the total population gains in recent times. AreaSearch utilizes projections from the ABS and Geoscience Australia for each SA2 district, published in 2024 with 2022 as the base year. For SA2 districts lacking this coverage, and for any years after 2032, age group growth rates are sourced from the ACT Government's SA2 projections, also using 2022 as a base. In light of the forecasted age structure transitions, projections suggest a contraction in the overall population, with the number of residents in the suburb of Chisholm (ACT) expected to shrink by 290 persons by 2041 under this approach. Conversely, expansion is projected in specific age brackets, led by the 75 to 84 cohort, which is expected to grow by 118 people.
Frequently Asked Questions - Population
42 new dwellings have been approved in Chisholm (ACT) over the past five years, an average of 8 a year. That is 1.6 approvals per 1,000 residents. Approvals are currently running at an annualised 5, 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 analysis of ABS building approvals allocated from statistical area data, Chisholm has averaged approximately 8 new dwellings approved per year, with an estimated total of 42 homes approved during the past 5 financial years (between FY-21 and FY-25) and 5 so far in FY-26. Considering an average of 1.7 new residents per year per finished dwelling over the past 5 financial years (between FY-21 and FY-25), supply and demand appear balanced, yielding stable market conditions, though recent data reveals this has risen to 4.8 people per dwelling over the past 2 financial years, pointing to higher demand and constrained supply.
Development projects carry an average construction value of $291,000. Furthermore, $337,000 in commercial approvals have been registered during this financial year, highlighting the residential character of the area. Compared to the Australian Capital Territory, Chisholm exhibits approximately two-thirds the rate of new dwelling approvals per capita, placing in the 19th percentile of areas evaluated nationwide, which limits buyer selection and supports interest in established properties. This rate also sits below the national average, reflecting the maturity of the suburb and suggesting potential planning limitations. New residential projects consist of 56.0% detached houses and 44.0% medium and high-density housing, showing a growing diversity of medium-density choices that provide options across different price ranges, from classic family homes to more affordable compact dwellings. This represents a clear shift from current housing patterns (which stand at 96.0% houses), indicating a decline in available development land and addressing changing lifestyle choices and housing affordability. There are approximately 808 people per dwelling approval in this location, pointing to an established property market. As population forecasts indicate stable or declining resident numbers, Chisholm is likely to experience lower housing demand pressures, which should benefit prospective buyers.
Frequently Asked Questions - Development
Development applications around Chisholm (ACT)
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| Lodged | Address | Description | Type | Distance | Status |
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SOURCE: Planning portals and council registers, compiled by AreaSearch. Distance & bearing measured from the suburb midpoint.
AreaSearch tracks 21 current infrastructure and development projects close to Chisholm (ACT), worth an estimated $2.35 billion. 3 are already under construction and 5 are due for completion within three years. The pipeline spans residential development, communities, precincts & urban renewal 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
Local performance is heavily shaped by changes to local infrastructure, major developments, and urban planning schemes. AreaSearch has identified a total of 2 projects that are expected to influence this locality. Prominent initiatives include the Calwell Retirement Living Precinct, the Calwell Public Housing Development, the Erindale Group Centre Master Plan Implementation - Stage 1, and the Canberra Light Rail Stage 4 - Woden to Tuggeranong, with details provided below for those of high local relevance.
Professional plan users can use the search below to filter and access additional projects.
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Frequently Asked Questions - Infrastructure
Wanniassa Hills Primary School Modernisation
ACT Government modernisation project at Wanniassa Hills Primary School delivering a preschool upgrade and replacement of existing gas boilers with fully electric heat pumps to improve energy efficiency, thermal comfort and learning environments. The works build on the school's earlier major modernisation program including new learning communities, administration refurbishment, hall improvements and expanded parking. Electrical supply upgrade works were tendered in 2025 to support the new HVAC system.
Erindale Group Centre Master Plan Implementation - Stage 1
A long-term revitalisation of the Erindale Group Centre focused on transforming public spaces, improving pedestrian and active travel links, and upgrading community infrastructure. The 2025-26 ACT Budget specifically funded the Erindale shops upgrade, with concept designs for public space improvements, including new lighting, paving, and furniture, expected for community feedback in 2026. The broader master plan facilitates future mixed-use development and roughly 800 new dwellings to support Tuggeranong growth.
Calwell Retirement Living Precinct
A retirement living precinct proposal by KBDC, featuring 30 one-storey townhouses alongside the Calwell shopping strip.
Canberra Light Rail Stage 4 - Woden to Tuggeranong
Proposed southern extension of the Canberra light rail network connecting Woden Town Centre to Tuggeranong Town Centre via the Athllon Drive corridor. Recent 2026 updates indicate the ACT Government is developing a transit-oriented development (ToD) plan for the Athllon Drive corridor, with conceptual integrated bus and light rail network options for Canberra South expected by June 2026. The project remains part of the long-term City-wide Light Rail Network plan to support a population of 500,000.
EV Fast Charging Infrastructure - Calwell (Calwell Shopping Centre)
Public DC fast EV charging delivered at Calwell Shopping Centre and operated by Evie Networks, supported by ACT Government grants and ARENA funding to expand Canberra's charging network.
Calwell Public Housing Development
30 new public housing townhouses (2 and 3 bedroom) built to Class C Adaptable standards. Features evaporative heating/cooling, 6-star energy rating hot water systems, double-glazed windows, and sustainable design.
Calwell Group Centre improvements
Public space upgrades at local shops including new seating, playground with nature play elements, accessible parking bays, improved pedestrian access, upgraded lighting, and enhanced landscaping. Features nest swing, trampolines, slide, steppers and new shade sail.
The Valley Ponds - Wanniassa
Proposed medium-density residential estate of approximately 120-150 townhouses and apartments on former open space land between Wanniassa Hills and the Erindale Centre, part of the broader Indicative Land Release Program.
2,813 residents of Chisholm (ACT) are employed, from a labour force of 2,967. Unemployment sits at 5.2%, with participation at 70.4%. Weighted for its industry mix, the area's sectors are forecast to grow about 6.3% nationally over five years. That reflects industry composition only and makes no allowance for local population growth. The working-day population is estimated at 4,089, about 77% 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
Chisholm features a skilled labor force with strong representation in essential services, an unemployment rate of 5.2%, and an estimated job growth rate of 0.5% over the past year, according to AreaSearch aggregations of statistical area data. As of March 2026, there are 2,813 employed residents, while the unemployment rate sits 1.1% higher than the Australian Capital Territory average of 4.1%, and workforce participation matches the Australian Capital Territory level of 70.8%. Census records show a low 9.3% of residents worked from home, though the influence of Covid-19 lockdowns should be taken into account.
The primary employment sectors for residents are public administration & safety, health care & social assistance, and construction. The community displays a marked specialization in construction, which accounts for an employment share 1.7 times the regional rate. On the other hand, professional & technical roles are underrepresented at 7.4% compared to the regional average of 11.1%. This highly residential locality appears to provide sparse local job opportunities, as shown by the comparison of Census working population to resident population. According to AreaSearch analysis of SALM and ABS statistics aggregated from broader statistical divisions, the year ending March 2026 saw employment levels rise by 0.5% and the labor force expand by 1.1%, resulting in a 0.6 percentage point increase in the unemployment rate. Over the same timeframe, the Australian Capital Territory recorded employment growth of 0.3% and labor force growth of 1.1%, with a 0.7 percentage point increase. National employment projections from Jobs and Skills Australia dated May-25 offer additional context regarding potential future demand in Chisholm. These five and ten-year forecasts have been applied to the local employment profile to model potential growth trends. Globally, national employment is projected to grow by 6.6% over five years and 13.7% over ten years, though these rates vary significantly across different industries. Applying these sector-specific forecasts to Chisholm's industry mix suggests local employment could grow by 6.3% over five years and 13.0% over ten years (note that this is a basic weighted extrapolation for demonstration purposes and does not incorporate local population projections).
Frequently Asked Questions - Employment
Median household income in Chisholm (ACT) is $2,292 a week (about $119,000 a year), with median personal income at $1,088 a week. ATO records put median taxable income at $64,238 a year against an average of $71,194. 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 AreaSearch's compilation of the latest postcode-level ATO data released for financial year 2023, the median income of taxpayers in the suburb of Chisholm was $64,238, while the average income was $71,194. This exceeds the national average and compares to $72,206 (median) and $85,981 (average) across the Australian Capital Territory. Accounting for Wage Price Index growth of 10.44% since financial year 2023, current projections estimate these figures at approximately $70,944 (median) and $78,627 (average) as of March 2026. Data from the 2021 Census shows that household, family, and individual incomes in Chisholm are high, placing between the 83rd and 85th percentiles nationally.
Income distribution shows that 38.1% of the community (2,012 individuals) falls within the $1,500 - 2,999 weekly bracket, similar to the wider region where this segment comprises 34.3%. Financial capacity is evident as 33.9% of households report high weekly earnings above $3,000, which supports consumer spending. Housing costs represent 13.8% of income, and strong earnings place residents in the 84th percentile for disposable income, with a SEIFA income rank in the 6th decile.
Frequently Asked Questions - Income
Chisholm (ACT) had 1,862 occupied dwellings at the 2021 Census, 96% detached houses and 1% apartments. 51% are owned with a mortgage, 20% rented and 29% owned outright. At that Census the median rent was $410 a week and the median mortgage repayment $2,000 a month. Rent absorbs 17.9% of household income here and mortgage repayments 20.1%. Dwelling stock, tenure and housing costs are 2021 Census measures — the only source that counts dwellings at this boundary size.
Detail
The mix of housing types in Chisholm at the latest Census consisted of 95.9% houses and 4.2% other housing types (including semi-detached properties, apartments, and alternative dwellings), compared to 63.3% houses and 36.7% other dwellings across the Australian Capital Territory. Home ownership rates in Chisholm exceeded the Australian Capital Territory average at 29.1%, with the rest of the properties being mortgaged (50.7%) or rented (20.2%). The median monthly mortgage payment in the area was lower than the Australian Capital Territory average at $2,000, and the median weekly rent was recorded at $410, compared to regional figures of $2,080 and $450 respectively.
On a national level, mortgage repayments in Chisholm are higher than the Australian average of $1,863, and weekly rents also exceed the national benchmark of $375.
Frequently Asked Questions - Housing
Chisholm (ACT) counted 1,862 households at the 2021 Census, averaging 2.7 people each. 37% are couples with children, against 26% couples without children. 21% of households are people living alone, and families average 1.7 children. Household and family composition is measured only by the Census, so these are 2021 figures.
Detail
Family units constitute the majority of households at 76.6%, consisting of couples with children at 36.9%, couples without children at 26.4%, and single parent households at 12.4%. Non-family living arrangements account for the remaining 23.4%, with single-person households representing 20.9% and group households comprising 2.1%. The median household occupancy of 2.7 people is higher than the Australian Capital Territory average of 2.5.
Frequently Asked Questions - Households
25.6% of adults in Chisholm (ACT) hold a university qualification, including 15.6% with a bachelor degree and 6.2% with postgraduate qualifications. A further 24.3% hold a vocational qualification. 2 schools serve the area, with 602 enrolment places and an average ICSEA of 979 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 locality presents educational challenges, with university attainment rates (25.6%) sitting significantly below the SA4 regional average of 46.8%. This gap represents both a difficulty and a clear opening for targeted educational programs. Bachelor degrees are the most common higher qualification at 15.6%, followed by postgraduate degrees (6.2%) and graduate diplomas (3.8%). Vocational and technical expertise is common, with 36.7% of residents aged 15+ holding a vocational qualification, consisting of advanced diplomas (12.4%) and certificates (24.3%). Enrolment rates are particularly elevated, with 28.6% of residents currently undertaking formal education. This proportion includes 10.2% in primary schools, 8.0% in high schools, and 3.8% enrolled in tertiary institutions.
Frequently Asked Questions - Education
Schools Detail
Public transport in Chisholm (ACT) reaches 38 stops on 84 routes, timetabled for about 5,500 services a week. The typical home sits about 180 m from its nearest stop. Buses carry the largest share of public transport commuters. 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 records show 38 active stops operating in Chisholm, featuring a mix of bus services. These stops connect to 84 separate routes, which combine to support 5,450 passenger journeys each week. Transit connectivity is classified as excellent, with residents living an average of 175 meters from their nearest stop. As the suburb is primarily residential, the majority of working residents commute to other areas, with private vehicles remaining the primary choice at 93%. Car ownership averages 1.7 per household, exceeding the regional average. A relatively low 9.3% of residents work from home (based on the 2021 Census, which may reflect COVID-19 patterns).
Service frequency across all transit routes averages 778 runs per day, which translates to roughly 143 weekly runs for each individual stop.
Frequently Asked Questions - Transport
Transport Stops Detail
66.4% of residents in Chisholm (ACT) report no long-term health condition. 5.9% need daily assistance with core activities, and 55.3% hold private health cover. The standardised death rate runs at 5.2 per 1,000 residents. Health conditions, assistance needs and insurance are 2021 Census measures; the death rate comes from current ABS releases.
Detail
Chisholm faces notable public health issues, according to AreaSearch's evaluation of mortality data and chronic condition prevalence, with common health concerns present in both younger and older cohorts, while the rate of private health insurance is high at roughly 55% of the population (~2,922 people). This compares to 62.4% across the Australian Capital Territory. The most prevalent health issues recorded in the suburb were mental health conditions and asthma, affecting 9.5 and 8.8% of the population, respectively, while 66.4% of residents reported having no long-term medical conditions, compared to 70.2% across the Australian Capital Territory.
The workforce-aged population experiences prominent health challenges, marked by elevated rates of chronic illness. Residents aged 65 and older make up 18.2% of the local population (961 people), which is higher than the 14.3% share in the Australian Capital Territory. Health profiles for senior citizens show some challenges, with national performance metrics generally mirroring those of the broader population.
Frequently Asked Questions - Health
Chisholm (ACT) is largely Australian-born, at 81.0% of residents, with 14.4% speaking a language other than English at home. The largest reported ancestries are Australian (27.5%) and English (26.5%). Ancestry, language and country of birth are counted only by the Census, so these are 2021 figures.
Detail
Chisholm shows above-average levels of cultural diversity, with 19.0% of the population born outside Australia and 14.4% using a language other than English in their homes. Christianity is the primary religion in Chisholm, representing 50.0% of the population. The most distinct relative overrepresentation is observed for Islam, which accounts for 2.4% of residents, compared to 3.4% across the wider Australian Capital Territory. Regarding ancestral background (based on parents' country of birth), the three largest groups in Chisholm are Australian at 27.5% of the population, English at 26.5%, and Irish at 8.2%.
Furthermore, there are specific differences in the presence of other backgrounds: Hungarian is overrepresented at 0.4% in Chisholm (compared to 0.3% regionally), Serbian at 0.5% (compared to 0.4% regionally), and Macedonian at 0.4% (compared to 0.2% regionally).
Frequently Asked Questions - Diversity
The median resident of Chisholm (ACT) is 37. 22.6% 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 median age in Chisholm is 37 years, which is slightly higher than the Australian Capital Territory median of 35 years and close to the national average of 38 years. The 65 - 74 age group is strongly represented at 12.1% compared to the Australian Capital Territory, while the 25 - 34 cohort is less common at 11.0%. Since 2021, the 65 to 74 demographic has increased from 9.4% to 12.1% of the population, and the 75 to 84 group has grown from 3.1% to 4.7%. In contrast, the 25 to 34 cohort fell from 13.6% to 11.0%, and the 55 to 64 group dropped from 15.1% to 12.7%.
Age structure projections for 2041 show major shifts ahead. The 75 to 84 cohort is projected to expand significantly, rising by 111 people (45%) from 248 to 360. In particular, the combined age brackets of 65 and over will represent 89% of all population growth, highlighting the aging trend of the suburb. Conversely, the 15 to 24 and 5 to 14 age brackets are expected to experience declines in numbers.
Frequently Asked Questions - Age
Data & MethodBoundaries, Sources & Method for Chisholm (ACT)
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, Local governments Daily | May 2026 3 months ago all 2 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 May 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 — 15 validated new addresses here. The headline figure is therefore a current estimate for May 2026, not a 2021 count (5,268 at the 2021 Census → 5,282 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 (SAL80037). QuickStats reports 2021 only — the figures on this page are more current wherever the ledger shows a later date.