Chart Color Schemes
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
The median house price in Finley is $362k, with units at $268k. House values have moved 9.1% a year compounded over five years.
Curious about local property values? Filter the chart to assess the volume and appreciation (including resales) trends and regional comparisons, or scroll to the map below view this information at an individual property level.
Find a Recent Sale
Sales Detail
Finley has an estimated 2,580 residents, up from 2,455 at the 2021 Census — a change of 125 people, or 5.1%. Growth has averaged 0.5% a year over five years. Overseas migration accounts for 68.0% of that increase. Fewer than ten people live on each square kilometre, across a boundary that takes in surrounding rural land. 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 statistics for the surrounding region, combined with address records verified by AreaSearch since the Census, Finley's resident count is projected to be approximately 2,580 as of May 2026. This represents an addition of 125 residents (5.1%) relative to the 2021 Census, which documented 2,455 people. The adjustment is calculated from an estimated local population of 2,574 calculated by AreaSearch using the ABS ERP release from June 2025 alongside an extra 72 validated new addresses registered after the Census. This count corresponds to a density of 4.8 persons per square kilometer, which indicates a low concentration of residents.
The growth rate of 5.1% in Finley since the 2021 census outpaced both the broader SA3 region (4.8%) and the Rest of NSW, positioning the locality as a leader in regional growth. The main driver of population gains was overseas migration, which accounted for approximately 68.0% of the total growth during recent times. Projections for each SA2 district compiled by the ABS and Geoscience Australia in 2024, using 2022 as the baseline, are utilised by AreaSearch. For any SA2 regions lacking this coverage, projections compiled by the NSW State Government in 2022 using 2021 as the baseline are applied instead. Age bracket growth trends derived from these sources are extended to cover the years 2032 to 2041. Future demographic patterns indicate a population expansion rate slightly under the median for regional Australia, with projections showing Finley growing by 194 persons by 2041, representing a cumulative increase of 7.3% over the 16 years.
Frequently Asked Questions - Population
46 new dwellings have been approved in Finley over the past five years, an average of 9 a year. That is 3.7 approvals per 1,000 residents. Approvals are currently running at an annualised 20, running ahead of 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
According to AreaSearch evaluations of ABS building approval statistics mapped to regional boundaries, Finley has averaged approximately 9 residential approvals annually. This includes an estimated 46 dwellings approved during the 5 financial years spanning FY-21 to FY-25, and 19 during FY-26 so far. The ratio of 1.5 people entering the community for each new home constructed over the 5 financial years from FY-21 to FY-25 indicates balanced supply and demand conditions. However, this ratio increased to 5.2 people per approved dwelling during the past 2 financial years, indicating rising demand relative to construction.
Approved residential builds carry an average estimated value of $485,000, suggesting developers are concentrating on the upper end of the market. In comparison to the Rest of NSW, per capita residential approvals in Finley stand at around 64% of the regional average, placing the suburb in the 39th percentile of areas evaluated across the nation. This leads to reduced options for prospective purchasers and reinforces demand for established properties. Additionally, recent approvals are composed exclusively of detached houses, maintaining the low-density profile of the community and offering options for buyers seeking extra space. The ratio of 425 people per single building approval highlights a quiet development sector with low construction volumes. Long-term forecasts suggest Finley will add 188 residents by 2041, calculated from the most recent AreaSearch quarterly release. Current construction activity appears sufficient to accommodate this growth, creating supportive market conditions for buyers and potentially allowing the population to expand beyond standard projections.
Frequently Asked Questions - Development
Development applications around Finley
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 2 current infrastructure and development projects inside Finley, worth an estimated $115 million. A further 66 sit in the immediately surrounding suburbs, taking the tracked pipeline within reach of the area to $8.05 billion. 17 are already under construction and 23 are due for completion within three years. The pipeline spans health & medical, transport & logistics 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 infrastructure projects, major planning decisions, and development initiatives are key drivers of regional change. AreaSearch has identified a total of 2 projects likely to influence the local area. Significant projects of relevance include the Burma Road Land-Lease Lifestyle Village Estate, the Future Tocumwal - Town Centre Transformation, the Edward River Growth Strategy 2050, and the NSW section of VNI West.
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
Future Tocumwal - Town Centre Transformation
A long-term town centre renewal program led by Berrigan Shire Council to reimagine Tocumwal's central activity area over 20 years. Following community consultation in early 2025, refined concept plans were prepared covering upgraded streetscapes, improved pedestrian crossings, Barooga Street kerb and gutter works, redesigned carparking with solar panels, river parklet improvements, and better connections between Deniliquin Street, Murray Street and the Murray River foreshore. Plans were due for Council endorsement at the October 2025 meeting.
Burma Road Land-Lease Lifestyle Village Estate
A 323-dwelling over-55s land-lease lifestyle village at 32 Burma Road, Tocumwal. The approved manufactured home estate will occupy approximately 21 hectares bordering Club Tocumwal, featuring internal roads, recreation areas, landscaped parkland and a central community building with leisure and wellness facilities. Residents will receive two Village Club Memberships and access to sporting and leisure facilities, with Club Tocumwal currently undergoing an $8 million renovation and expansion. Council approved the development application on 16 July 2025, with the village to be delivered in stages from 2025/2026.
Barooga Cobram Road Reconstruction
Reconstruction of Barooga Cobram Road between Peoples Bridge and Bullanginya Bridge, including rehabilitation of the road carriageway and bridge approaches, new asphalt, and repainted line marking, as part of Berrigan Shire Council's flood recovery works under the Roads to Recovery program.
Cobram Secondary College Modular Building
Replaced an older building containing asbestos with a new architecturally-designed permanent modular building. Modular facilities require less time for planning and construction, resulting in reduced disruption to students and staff. They are sustainable and innovatively designed, with a comparable lifespan to traditional structures.
Thompsons Beach and Kennedy Park Precinct Plan
The Thompsons Beach and Kennedy Park Precinct Plan aims to develop a precinct master plan and concept plan to guide future infrastructure developments at the site. It includes reviewing existing partnerships, co-designing a shared governance model, untangling red-tape to remove barriers for tourism and events, enhancing community quality of life through cultural and recreational improvements, boosting productivity via tourism growth and operational efficiencies, and building resilience against ageing infrastructure, extreme weather, and other challenges. Early community consultation occurred in March and April 2026 to collect feedback and guide concept designs throughout 2026.
NCN Health Cobram Campus Redevelopment
A comprehensive multi-stage upgrade of the NCN Health Cobram Campus. Stage 1 delivered a new Urgent Care Centre with expanded floor space, a dedicated entry, a new ambulance bay, and dual waiting areas. Subsequent stages, completed by late 2024, involved refurbishing the acute ward, constructing a new ultrasound room, remodeling patient rooms with ensuites, and installing new firewalls and reception areas to enhance infection control and safety.
Cobram Village
A neighbourhood retail centre featuring a 3,800 sqm Coles supermarket, Liquorland, Chemist Warehouse, and specialty retailers, providing convenient shopping in an underserved area within a ~70km radius.
VICSES Cobram Unit
A new fit-for-purpose facility for the VICSES Cobram Unit, featuring four motor bays, office space, communications room, and training areas. It enables effective responses to rescues, floods, storms, and supports local emergency services while aiding volunteer retention and recruitment.
1,331 residents of Finley are employed, from a labour force of 1,397. Unemployment sits at 4.7%, with participation at 63.5%. Weighted for its industry mix, the area's sectors are forecast to grow about 5.6% nationally over five years. That reflects industry composition only and makes no allowance for local population growth. The working-day population is estimated at 2,092, about 81% 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
Finley possesses a diverse labor force distributed across white-collar and blue-collar occupations, with an overall unemployment rate of 4.7% according to compiled regional data. As of March 2026, there are 1,331 employed residents. The local unemployment level is 0.6% higher than the Regional NSW average of 4.1%, while the participation rate is typical at 63.5% compared to the regional figure of 60.6%. Census data indicates that a modest 12.6% of the workforce operated from home, though this figure may reflect the influence of pandemic lockdowns. Local employment is predominantly centered around agriculture, forestry & fishing, health care & social assistance, and education & training.
The agricultural sector is exceptionally prominent, with a workforce share that is 4.6 times the average for Regional NSW. Conversely, public administration & safety accounts for only 1.7% of local jobs, compared to the regional average of 7.5%. A comparison of the Census working population against the resident workforce suggests a shortage of local jobs. According to SALM and ABS data analyzed across broader statistical units, the local labor force contracted by 4.0% and total employment fell by 5.3% over the 12 months ending March 2026, leading to a 1.3 percentage point rise in unemployment. In comparison, Regional NSW experienced a 0.9% reduction in employment, a 0.4% decline in the workforce, and a 0.5 percentage point increase in unemployment. National forecasts released by Jobs and Skills Australia in May-25 provide a benchmark for future demand in Finley. These projections for five and ten-year horizons have been applied to the local workforce structure to model potential changes. While nationwide employment is projected to grow by 6.6% over five years and 13.7% over ten years, trends vary widely by sector. Weighting these sectoral projections against Finley's current workforce suggests local employment could expand by 5.6% over five years and 12.4% over ten years.
Frequently Asked Questions - Employment
Median household income in Finley is $1,066 a week (about $55,000 a year), with median personal income at $636 a week. ATO records put median taxable income at $43,609 a year against an average of $53,322. 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
ATO records for the 2023 financial year show that personal incomes in Finley are below the national average, with a median of $43,609 and an average of $53,322. This is lower than the Regional NSW median of $52,390 and average of $65,215. Adjusting these figures for a 10.32% rise in the Wage Price Index since the 2023 financial year yields estimated values of approximately $48,109 for the median and $58,825 for the average as of March 2026. The 2021 Census placed household, family, and personal incomes in Finley within the 5th to 16th percentiles nationally.
Income distribution data shows that 30.8% of the population, representing 794 individuals, earn between $400 - 799, whereas the metropolitan average has 29.9% of earners in the $1,500 - 2,999 range. Although residents retain 90.0% of their income due to low housing costs, overall disposable income ranks in the 11th percentile nationwide.
Frequently Asked Questions - Income
Finley had 949 occupied dwellings at the 2021 Census, 91% detached houses and 1% apartments. 30% are owned with a mortgage, 23% rented and 47% owned outright. At that Census the median rent was $175 a week and the median mortgage repayment $953 a month. Rent absorbs 16.4% of household income here and mortgage repayments 20.6%. Dwelling stock, tenure and housing costs are 2021 Census measures — the only source that counts dwellings at this boundary size.
Detail
At the time of the last Census, the housing stock in Finley consisted of 91.4% standalone houses and 8.5% other housing types like townhouses, apartments, or alternative dwellings, compared to 82.6% houses and 17.4% other options across Regional NSW. Home ownership levels were elevated relative to Regional NSW at 46.6%, while the remaining properties were split between mortgaged homes (30.1%) and rentals (23.3%). The median mortgage payment was $953 monthly, which is below the Regional NSW average of $1,733. Similarly, the median weekly rent was $175, compared to $330 regionally.
On a national level, monthly mortgage costs in Finley are lower than the Australian median of $1,863, and weekly rents are below the national benchmark of $375.
Frequently Asked Questions - Housing
Finley counted 949 households at the 2021 Census, an estimated 997 today, averaging 2.2 people each. 20% are couples with children, fewer than in 87% of areas nationally, against 33% couples without children. 35% of households are people living alone, and families average 2.3 children. Household and family composition is measured only by the Census, so these are 2021 figures.
Detail
Families make up the majority of households at 62.9%, consisting of couples with children at 19.8%, couples without children at 32.9%, and single parents at 9.7%. Non-family living arrangements account for the remaining 37.1%, consisting of single-person households at 34.6% and group housing at 2.3%. The median household size of 2.2 residents is smaller than the Regional NSW average of 2.4.
Frequently Asked Questions - Households
16.0% of adults in Finley hold a university qualification, including 12.9% with a bachelor degree and 2.1% with postgraduate qualifications, lower than 75% of areas nationally. A further 33.5% hold a vocational qualification. 3 schools serve the area, with 526 enrolment places and an average ICSEA of 971 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
Educational attainment in the area is low relative to the state, with the university qualification rate of 16.0% falling below the NSW average of 32.2%. Among those with higher education, bachelor degrees are the most common at 12.9%, followed by postgraduate degrees at 2.1% and graduate diplomas at 1.0%. Vocational education is highly prevalent, with 41.8% of residents aged 15+ holding technical credentials, consisting of advanced diplomas at 8.3% and certificates at 33.5%. Enrolment levels are high, with 29.3% of the population participating in formal education. Primary school students account for 11.6% of the population, secondary students make up 9.9%, and tertiary students represent 1.7%.
Frequently Asked Questions - Education
Schools Detail
Public transport in Finley reaches 50 stops on 23 routes, timetabled for about 210 services a week. The typical home sits about 350 m from its nearest stop. Households keep an average of 1.4 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 the local network shows 50 active bus stops operating in Finley across 23 distinct routes, providing a total of 206 weekly passenger services. The nearest transport stop is an average of 348 meters from residences, indicating reasonable accessibility. Most commuters travel outside the area, with private vehicles being the primary mode of travel at 87%, followed by walking at 10%. Average vehicle ownership is 1.4 per household. A minor proportion of residents, 12.6%, worked from home according to the 2021 Census, which may have been influenced by COVID-19 rules.
Bus services average 29 trips daily across the network, which translates to approximately 4 weekly departures per stop.
Frequently Asked Questions - Transport
Transport Stops Detail
54.2% of residents in Finley report no long-term health condition, a less healthy profile than 91% of areas nationally. 9.1% need daily assistance with core activities, and 48.1% hold private health cover. The standardised death rate runs at 7.1 per 1,000 residents. Health conditions, assistance needs and insurance are 2021 Census measures; the death rate comes from current ABS releases.
Detail
Assessments of mortality and chronic illness rates show significant health issues in Finley across multiple age groups, while the rate of private health insurance coverage is low at roughly 48% of the population, or about 1,240 people. This compares to 51.9% in Regional NSW and a national average of 55.7%. Arthritis and asthma are the most prevalent conditions, affecting 14.0% and 10.2% of the population respectively. In contrast, 54.2% of residents reported having no chronic medical conditions, compared to 63.3% across Regional NSW. Chronic disease rates are elevated among the working-age population.
Furthermore, 33.0% of the local population is aged 65 and over, representing 851 people, which exceeds the Regional NSW proportion of 23.4%. Health outcomes among older residents are mixed, with national rankings comparable to the broader population.
Frequently Asked Questions - Health
Finley is largely Australian-born, at 91.2% of residents, with 3.5% speaking a language other than English at home. The largest reported ancestries are Australian (33.2%) and English (31.4%). 3.6% of residents identify as Aboriginal and/or Torres Strait Islander. Ancestry, language and country of birth are counted only by the Census, so these are 2021 figures.
Detail
Indicators of cultural diversity in Finley are below the national average, with citizens making up 83.7% of the population, 91.2% of residents born in Australia, and 96.5% using only English at home. The main religious affiliation is Christianity, accounting for 63.9% of residents compared to 55.9% across Regional NSW. Ancestry details show that the largest heritage groups in Finley are Australian at 33.2%, English at 31.4%, and Irish at 9.6%. Some demographic variances exist, with Scottish ancestry overrepresented at 8.9% of the population compared to 8.0% regionally, New Zealand ancestry at 0.9% compared to 0.4% regionally, and Sri Lankan ancestry at 0.3% compared to 0.1% regionally.
Frequently Asked Questions - Diversity
The median resident of Finley is 51, older than 93% of areas nationally. 17.5% 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
Finley's median age of 51 years is higher than the Regional NSW median of 43 and the national median of 38. The 75 - 84 age cohort is overrepresented locally at 12.6% compared to Regional NSW, while the 35 - 44 cohort is underrepresented at 8.4%. The local proportion of residents aged 75 - 84 is higher than the national average of 6.1%. Since the 2021 Census, this age bracket has expanded from 10.2% to 12.6% of the population, while the 5 to 14 group has decreased from 11.7% to 10.8%.
Demographic projections to 2041 indicate that the 75 to 84 cohort will increase by 22%, or 72 people, rising from 325 to 398. Residents aged 65+ are expected to make up 56% of total growth, while the 65 to 74 and 5 to 14 brackets will decrease in number.
Frequently Asked Questions - Age
Data & MethodBoundaries, Sources & Method for Finley
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 | Jun 2026 2 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 Jun 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 — 72 validated new addresses here. The headline figure is therefore a current estimate for May 2026, not a 2021 count (2,455 at the 2021 Census → 2,580 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 (SAL11523). QuickStats reports 2021 only — the figures on this page are more current wherever the ledger shows a later date.