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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
The median house price in Gymea Bay is $2.18m, with units at $1.59m. House values have moved 3.3% 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.
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Sales Detail
Gymea Bay has an estimated 7,269 residents, up from 6,983 at the 2021 Census — a change of 286 people, or 4.1%. Growth has averaged 0.6% a year over five years. That puts 3,054 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
As of Aug 2026, the suburb of Gymea Bay has an estimated population of approximately 7,269, based on AreaSearch's evaluation of broader ABS regional updates alongside post-Census address validations. This represents an addition of 286 people (4.1%) compared to the 6,983 residents counted in the 2021 Census. AreaSearch deduced this trend from an Estimated Resident Population (ERP) baseline of 7,237 recorded in the June 2025 ABS release, combined with 45 validated new addresses established post-Census. Population density stands at 3,054 persons per square kilometer, positioning the suburb of Gymea Bay within the upper quartile of Australian locations analyzed by AreaSearch.
Furthermore, the local 4.1% post-Census increase tracks closely behind the SA4 regional rate of 5.1% by 1.0 percentage points, underscoring resilient local growth dynamics. Net overseas migration served as the primary growth catalyst, generating roughly 56.00000000000001% of recent population additions. Projections for the suburb of Gymea Bay incorporate the 2024 ABS/Geoscience Australia SA2 series based on 2022 benchmarks, supplemented by 2022 NSW State Government SA2 modeling (base year 2021) where coverage requires. These aggregated age-bracket growth trajectories are extended across all locations from 2032 to 2041. In line with broader demographic trajectories, the suburb of Gymea Bay is projected to experience population expansion slightly below the national statistical area median, adding 430 persons by 2041 under aggregated SA2 forecasts—representing an overall increase of 5.5% across the 16-year horizon.
Frequently Asked Questions - Population
166 new dwellings have been approved in Gymea Bay over the past five years, an average of 33 a year. That is 4.6 approvals per 1,000 residents. Of the 32 dwellings approved in the latest reporting year, 31% were detached houses and the rest townhouses or apartments. Approvals are currently running at an annualised 20, 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
Analysis of ABS building approvals allocated by AreaSearch indicates that Gymea Bay has averaged roughly 33 residential dwelling approvals annually, amounting to roughly 166 homes across the prior 5 financial years. Within FY-25 to date, 20 approvals have been lodged. Between FY-21 and FY-25, the addition of 1.2 new residents annually per built home pointed to balanced market supply, though this metric accelerated to 3.4 people per dwelling over the preceding 2 financial years, highlighting growing demand and potential supply tightness. Approved residential projects carry an average construction value of $577,000, exceeding regional benchmarks to reflect a premium development standard.
Meanwhile, commercial construction activity remains subdued, with commercial approvals totaling $2.3 million this financial year. Per capita residential approvals in Gymea Bay run at roughly two-thirds the Greater Sydney benchmark, ranking the locality in the 43rd percentile nationally and tightening buyer options while bolstering demand for established housing. Approvals for new residential construction comprise 31.0% standalone houses alongside 69.0% medium and high-density dwellings. This focus on higher-density builds provides more accessible price points for first-home buyers, downsizers, and investors. It marks a clear departure from the prevailing housing stock (where detached houses comprise 90.0%), signaling diminishing greenfield space and shifting consumer preferences toward varied housing typologies. The ratio of approximately 342 residents per approval underscores a mature development environment. Demographic modeling anticipates that Gymea Bay will add 398 residents by 2041 relative to the most recent quarterly estimate from AreaSearch. At prevailing construction volumes, incoming residential development appears well-positioned to satisfy future housing demand, sustaining supportive buying conditions and creating capacity for the area to outperform baseline projections.
Frequently Asked Questions - Development
Development applications around Gymea Bay
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| Lodged | Address | Description | Type | Distance | Status |
|---|
SOURCE: Planning portals and council registers, compiled by AreaSearch. Distance & bearing measured from the suburb midpoint.
AreaSearch tracks 4 current infrastructure and development projects inside Gymea Bay, worth an estimated $343 million. A further 62 sit in the immediately surrounding suburbs, taking the tracked pipeline within reach of the area to $5.02 billion. 15 are already under construction and 29 are due for completion within three years. The pipeline spans residential development, communities and transport & logistics. 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
Strategic infrastructure investments and urban initiatives play a decisive role in shaping local growth. AreaSearch has pinpointed 7 key projects expected to influence the surrounding district, featuring the Gymea Bay Road Mixed-Use Development, the Heathcote Road Overtaking Lane - Lucas Heights to Engadine, Elliston Estate - Stage 3 & 4, and the 147 Garnet Road Kareela Residential Development.
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
Gymea Bay Road Mixed-Use Development
Mirvac's approved mixed-use development delivering 84 apartments over ground-floor retail directly opposite Gymea village and railway station.
147 Garnet Road Kareela Residential Development
Rezoning approved for residential flat buildings on former Sylvanvale headquarters site in Kareela. The site is currently for sale via Expressions of Interest, closing August 26, 2025, with potential for up to 60 dwellings. Proceeds from the sale will fund supported accommodation for people with disabilities at other locations in Sutherland Shire. The proposal includes a 50% landscaped area requirement and environmental protections.
Gymea Village Precinct Upgrade
Sutherland Shire Council-led public domain upgrade of the Gymea shopping village precinct, delivering new paving, street furniture, landscaping, improved pedestrian amenity and activation of laneways along Gymea Bay Road. The works aimed to reinforce the outdoor village atmosphere, improve accessibility and support local retail and dining businesses in one of the Shire's established town centres.
Heathcote Road Overtaking Lane - Lucas Heights to Engadine
Construction of a 2.5km extension to the existing westbound overtaking lane on Heathcote Road from the Woronora River bridge to New Illawarra Road. The project involves adding a 3.5m wide lane, road widening, curve upgrades, and safety improvements. Part of a 180M AUD NSW Government commitment.
President Private Hospital Redevelopment
An 87 million dollar State Significant Development redeveloping President Private Hospital into a modern healthcare facility for the Sutherland Shire by Macquarie Health Corporation. The works involve the construction of a new three-storey clinical building providing 110 inpatient beds, a 72-bed mental health unit, a refurbished theatre complex, and an upgraded wellness centre. Following a successful Land and Environment Court appeal in 2024, site demolition and active construction are underway to deliver expanded surgical, medical, and rehabilitation services.
Gymea Trade Centre Redevelopment (Stages 2 & 3)
Comprehensive expansion and upgrade of the Gymea Trade Centre. The project includes the delivery of new large format retail premises, an upgraded fitness centre, modern medical suites, and childcare facilities. Managed by Charter Hall, these final stages focus on enhancing local service diversity and increasing on-site parking capacity to support the growing regional catchment.
34-38 Pinnacle Street Mixed Development
8-storey mixed-use development comprising 24 residential apartments and a boarding house containing 70 rooms with basement car parking.
Salvation Army Miranda Redevelopment
A landmark 16-storey mixed-use precinct developed in partnership between Formus Property and The Salvation Army. The project delivers 116 residential apartments, including dedicated affordable housing, situated above new state-of-the-art community facilities. The ground levels feature Salvation Army welfare services, a worship hall, and community rooms designed to continue their 55-year legacy of service in the Sutherland Shire. The development revitalizes the Miranda town center with high-quality architectural design and integrated public spaces.
4,124 residents of Gymea Bay are employed, from a labour force of 4,205. Unemployment sits at 1.9%, with participation at 72.6%. Weighted for its industry mix, the area's sectors are forecast to grow about 6.8% nationally over five years. That reflects industry composition only and makes no allowance for local population growth. The working-day population is estimated at 5,558, about 76% 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
Workforce metrics compiled by AreaSearch for Gymea Bay highlight an educated resident base with significant professional services representation, an unemployment rate standing at 1.9%, and steady annual labor conditions. By March 2026, employed residents reached 4,124, while the jobless rate sat 2.2% under the Greater Sydney figure of 4.1%. Labor force participation stood at 72.6%, comparing with 68.9% across Greater Sydney. Census records showed 48.6% of workers operating from home, an outcome influenced by Covid-19 restrictions. Resident employment centers primarily around construction, health care & social assistance, and professional & technical services.
The local labor market displays notable specialization in construction, where employment density reaches 1.6 times the regional norm. Conversely, health care & social assistance accounts for 11.9% of working residents, sitting below the wider regional proportion of 14.1%. Given its predominantly residential nature, the suburb provides comparatively few local workplace opportunities when comparing resident workers against Census-recorded local employment. Over the preceding 12-month period, AreaSearch evaluation of ABS and SALM statistical data indicates that the local labor pool expanded by 0.4% while total employment experienced no change (reflecting no net inflow or loss), leading to a 0.4 percentage point uptick in unemployment. In contrast, Greater Sydney generated 1.9% employment growth, a 1.9% increase in its labor force, and a slight reduction in jobless numbers. Forward-looking occupational outlooks from Jobs and Skills Australia (Mar-26) provide context on future labor needs. Nationally, employment is projected to climb 6.6% over five years and 13.7% over ten years, with performance varying widely across sectors. Applying these industry weights across Gymea Bay's occupational profile indicates potential local job expansion of 6.8% across five years and 13.7% across ten years (serving as an illustrative weighted extrapolation without localized population adjustments).
Frequently Asked Questions - Employment
Median household income in Gymea Bay is $3,047 a week (about $158,000 a year), with median personal income at $1,049 a week. ATO records put median taxable income at $63,976 a year against an average of $83,979. 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 postcode records for financial year 2023 aggregated by AreaSearch indicate that taxpayers in Gymea Bay earned a median income of $63,976 alongside an average of $83,979, exceeding Greater Sydney figures of $60,817 and $83,003. Applying a 10.32% Wage Price Index increase since financial year 2023 yields updated March 2026 estimates of $70,578 (median) and $92,646 (average). Census findings place local personal, family, and household earnings between the 82nd and 97th percentiles across Australia. Income distribution shows 35.2% of individuals (2,558 individuals) falling into the $4000+ weekly bracket, in contrast to the broader region where the $1,500 - 2,999 tier leads at 30.9%.
Furthermore, 50.8% of households generate weekly earnings above $3,000. Household income retention after housing expenses stands at 87.3%, placing the area in the 10th decile on the SEIFA income scale.
Frequently Asked Questions - Income
Gymea Bay had 2,192 occupied dwellings at the 2021 Census, 90% detached houses and 1% apartments. 48% are owned with a mortgage, 8% rented and 45% owned outright. At that Census the median rent was $680 a week and the median mortgage repayment $3,033 a month, a total housing cost higher than 90% of areas nationally. Rent absorbs 22.3% of household income here and mortgage repayments 23.0%. Dwelling stock, tenure and housing costs are 2021 Census measures — the only source that counts dwellings at this boundary size.
Detail
Census data indicates that Gymea Bay's housing landscape is heavily dominated by detached houses at 90.4%, with semi-detached dwellings, apartments, and other configurations accounting for 9.6%, compared against 55.9% houses and 44.1% other dwellings across Sydney metro. Outright home ownership reached 44.5%, well above the metropolitan rate, with mortgaged properties making up 48.0% and rental accommodation comprising 7.5%. Monthly median mortgage commitments stood at $3,033 and median weekly rents reached $680, both significantly above the Sydney metro figures of $2,427 and $470 as well as national benchmarks of $1,863 for mortgages and $375 for rent.
Frequently Asked Questions - Housing
Gymea Bay counted 2,192 households at the 2021 Census, averaging 3.1 people each. 53% are couples with children, more than in 96% of areas nationally, against 26% couples without children. 11% 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
Families constitute 88.6% of all households in the area, comprising couples with children at 52.7%, couples without children at 26.0%, and single parent families at 9.1%. Non-family living arrangements account for the remaining 11.4%, consisting of lone person households (11.0%) and group households (0.8%). The median household size is 3.1 people, exceeding the Greater Sydney average of 2.7.
Frequently Asked Questions - Households
33.0% of adults in Gymea Bay hold a university qualification, including 22.4% with a bachelor degree and 7.7% with postgraduate qualifications, higher than 89% of areas nationally. A further 22.7% hold a vocational qualification. 1 school serves the area, with 745 enrolment places and an average ICSEA of 1,090 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
Tertiary attainment in Gymea Bay shows 33.0% of residents holding a university qualification, sitting just below the 38.0% Greater Sydney benchmark. Bachelor degrees represent 22.4% of the population, with postgraduate credentials at 7.7% and graduate diplomas at 2.9%. In addition, 35.4% of residents aged 15+ hold vocational qualifications, divided between certificates at 22.7% and advanced diplomas at 12.7%. Formal study participation is strong locally, encompassing 32.1% of the population. This cohort comprises 10.8% enrolled in primary education, 10.4% in secondary schooling, and 5.0% engaged in tertiary studies.
Frequently Asked Questions - Education
Schools Detail
Public transport in Gymea Bay reaches 24 stops on 7 routes, timetabled for about 240 services a week. The typical home sits about 190 m from its nearest stop. Households keep an average of 1.9 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
Gymea Bay contains 24 active public bus stops across 7 individual routes, delivering 241 weekly passenger services. Accessibility is favorable, with residents situated an average distance of 194 meters from their nearest transit stop. Given the suburb's residential focus, outward travel is common, with private cars serving as the primary transport mode for 94% of trips and households maintaining an above-average vehicle rate of 1.9 per dwelling. A substantial 48.6% of residents worked from home during the 2021 Census, subject to pandemic conditions. Transit services run at an average rate of 34 daily trips across the local network, translating to approximately 10 weekly trips at each designated stop.
Frequently Asked Questions - Transport
Transport Stops Detail
74.0% of residents in Gymea Bay report no long-term health condition, a healthier profile than 85% of areas nationally. 3.5% need daily assistance with core activities, and 60.1% hold private health cover. The standardised death rate runs at 4.2 per 1,000 residents. Health conditions, assistance needs and insurance are 2021 Census measures; the death rate comes from current ABS releases.
Detail
AreaSearch health metrics show strong health indicators throughout Gymea Bay, reflected in favorable mortality rates, low chronic illness incidence among younger demographics, and high private health coverage across roughly 60% of residents (4,366 people). Arthritis and asthma are the most prevalent diagnosed conditions, affecting 7.3 and 6.6% of residents respectively, while 74.0% reported no chronic medical conditions compared with 74.6% across Greater Sydney. Seniors aged 65 and over make up 18.4% of the community (1,337 people), higher than the 15.5% Greater Sydney share, with older residents displaying solid health indicators despite ranking lower nationally than younger local cohorts.
Frequently Asked Questions - Health
Gymea Bay is largely Australian-born, at 85.3% of residents, with 7.4% speaking a language other than English at home. The largest reported ancestries are English (30.2%) and Australian (28.8%). Ancestry, language and country of birth are counted only by the Census, so these are 2021 figures.
Detail
Cultural diversity metrics show 85.3% of Gymea Bay residents were born in Australia, 94.8% hold Australian citizenship, and 92.6% speak exclusively English at home. Christianity is the predominant faith, practiced by 60.0% of residents compared to 49.2% across Greater Sydney. Looking at parental birthplace, the primary ancestries identified in Gymea Bay are English (30.2% vs 19.0% regionally), Australian (28.8% vs 17.8% regionally), and Irish (9.3%). Smaller specific cultural representations include Russian at 0.5% (compared to 0.4% across the wider region), Welsh at 0.7% (against 0.4%), and Maltese at 0.8% (against 1.0%).
Frequently Asked Questions - Diversity
The median resident of Gymea Bay is 42. 22.1% 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
Demographic profiles updated to August 2026 show the suburb of Gymea Bay as a long-standing family community, with children and young adults (0 - 24) representing 35.6% of the population against 30.4% regionally, while young to middle-aged adults (25 - 44) account for 18.5% compared to 31.4% across Greater Sydney. The median age remains at 42, matching the 2021 Census outcome and exceeding the Greater Sydney Census median of 37 by 5 years. Residents aged 65+ have increased from 17.1% at the Census to an estimated 18.4%. Demographic forecasts to 2041 indicate this senior cohort will drive population gains, expanding by 545 residents (41%) to 1,882, while cohorts spanning children, young adults, and individuals aged 25 - 44 are expected to decrease.
Frequently Asked Questions - Age
Data & MethodBoundaries, Sources & Method for Gymea Bay
9 of 14 data sections on this page were updated within the last 12 months — the newest current to Oct 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) | Aug 2026 2 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 Aug 2026, with the 2021 Census supplying the small-area baseline. | ||
| Age profile | ABS, Geoscience Australia, State governments Annual | Aug 2026 2 months ago 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 2 months ago headline measures · Jul 2026 baseline |
| Property sales & rents | Valuer General, Rental Board, ABS Weekly sales, quarterly rents | Oct 2026 this month headline measures · Sep 2026 baseline |
| 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 Oct 2026. | ||
| Infrastructure projects | Infrastructure Australia, State agencies, Local governments Daily | Jun 2026 4 months ago all 4 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 7 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) | Sep 2026 last month headline measures · 2021 Census baseline |
| Transport | ABS, State Transport Departments Each timetable release | Jul 2026 3 months ago headline measures · 2021 Census baseline |
| Services & amenities | Provider directories, ACECQA Continuous | Sep 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 — 45 validated new addresses here. The headline figure is therefore a current estimate for Aug 2026, not a 2021 count (6,983 at the 2021 Census → 7,269 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 (SAL11834). QuickStats reports 2021 only — the figures on this page are more current wherever the ledger shows a later date.