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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 Marks Point is $1.14m, with units at $692k. House values have moved 6.0% 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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Marks Point has an estimated 1,871 residents. That puts 1,970 residents on each square kilometre. Population is estimated from ABS Estimated Resident Population releases and GNAF address data, re-based from the 2021 Census and updated annually.
Detail
According to AreaSearch's evaluation of broader ABS demographic releases alongside new residential addresses identified since the Census, the suburb of Marks Point has an estimated population of approximately 1,871 as of Aug 2026. This represents an addition of 10 people (0.5%) relative to the 2021 Census tally of 1,861 people. Such movement is derived from the resident count of 1,870 projected by AreaSearch using the June 2025 ABS ERP figures in conjunction with 18 validated new addresses recorded post-census. The suburb's density stands at 1,969 persons per square kilometer, outpacing the national benchmark evaluated by AreaSearch.
Furthermore, the 0.5% post-census rise in the suburb of Marks Point trails the wider SA3 area (3.3%) by only 2.8 percentage points, highlighting sound growth dynamics. Inbound international migration served as the primary growth catalyst, generating roughly 67.0% of recent population gains. Projections published in 2024 (anchored to 2022) by ABS and Geoscience Australia are applied by AreaSearch across SA2 boundaries, supplemented by 2022 NSW State Government releases (anchored to 2021) for locations without federal coverage. These datasets also supply the age-specific growth trajectories mapped across 2032 to 2041. Based on aggregated SA2 modelling, the suburb of Marks Point is tracking within the bottom quartile of regional districts nationwide, projected to add 14 persons by 2041, which equates to an overall expansion of 0.7% over the 16 years.
Frequently Asked Questions - Population
45 new dwellings have been approved in Marks Point over the past five years, an average of 9 a year. That is 2.7 approvals per 1,000 residents. Approvals are currently running at an annualised 3, 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
ABS building approval figures examined by AreaSearch indicate that annual residential authorisations in Marks Point average approximately 9 dwellings, accumulating to around 45 homes across the preceding 5 financial years. Within FY-25 to date, 3 approvals have been logged. In the context of recent population declines, residential development has kept pace with local demand to sustain a balanced environment with healthy options for purchasers, while an average expected construction cost of $666,000 indicates building activity is concentrated in the higher-end sector. Non-residential building activity has been subdued, with commercial approvals totalling just $42,000 for the current financial year.
Per capita building approvals in Marks Point stand at roughly three-quarters of the level observed across Rest of NSW, positioning the locality in the 19th percentile across Australia; this constrained supply pipeline helps underpin buyer interest in established stock. Such below-average volumes point to local planning restrictions and high urban maturity. Recent residential development has consisted entirely of standalone houses, reinforcing the suburb's low-density, family-oriented lifestyle appeal. This preference for detached dwellings in new building activity exceeds the existing housing baseline (58.0% at Census), underscoring sustained appetite for standalone homes despite broader consolidation. With approximately 750 people per dwelling approval, the market exhibits considerable maturity. Anticipated demographic changes indicate that Marks Point will add 13 residents through to 2041 from the latest quarterly figures compiled by AreaSearch. Existing construction rates should comfortably absorb this expected influx, maintaining favourable conditions for buyers and creating room for potential expansion beyond current projections.
Frequently Asked Questions - Development
Development applications around Marks Point
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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 29 current infrastructure and development projects close to Marks Point, worth an estimated $696 million. 8 are already under construction and 11 are due for completion within three years. The pipeline spans residential development, sports & recreation and environmental & disaster management. 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
Community performance and urban vitality are heavily shaped by strategic planning and major civil works. AreaSearch has pinpointed 1 key initiative expected to deliver tangible local outcomes. Significant regional projects include the Belmont Desalination Plant, the Swansea Channel Permanent Dredging Solution, the Pelican, Blacksmiths, Swansea, Swansea Heads and Caves Beach Local Adaptation Plan, and the South East Growth Area Plan.
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
Swansea Channel Permanent Dredging Solution
A permanent dredging solution for Swansea Channel involving a Beaver 30 dredge vessel and a new sand transfer system to maintain safe navigation, pumping sand to Blacksmiths Beach. The project also includes upgrades to the Blacksmiths boat ramp.
Road Rehabilitation - South Parade, Blackalls Park
Council is rehabilitating the section of South Parade between Fassifern Road and Centre Avenue in Blackalls Park to improve safety and amenity for pedestrians, cyclists and motorists. Works are funded as part of Lake Macquarie City Councils wider road improvements program and include resurfacing, drainage and footpath upgrades, as well as associated traffic and safety improvements. The project is valued at about $1.7 million and is expected to be completed by 2026.
Woolworths Belmont North Supermarket Development
Repurposing of the 4.04-hectare former Bunnings site into a modern retail hub. The project features a 3,800sqm full-line Woolworths supermarket and specialty tenancies for food, health, and services. It includes adaptive reuse of the existing warehouse structure, 341 at-grade parking spaces, and Direct to Boot facilities.
Brooks Parade Belmont Mixed Use Development
Approved demolition of existing structures and construction of a mixed-use, multi-storey development across 14 lots at 32-42 Brooks Parade, 2-10 Sharp Street and 5-11 Edgar Street, Belmont. The scheme comprises four towers (one 7-storey and three 6-storey, with rooftop gardens), 130 residential units, three retail/commercial units, basement car parking and associated landscaping. Two towers directly overlook Lake Macquarie. The Hunter and Central Coast Regional Planning Panel approved the development in November 2020, including a clause 4.6 variation for building height, following a lengthy assessment process led by Lake Macquarie City Council.
Temporary works to reopen Fennell Crescent culvert, Blackalls Park
Temporary works to remove the collapsed culvert, install a temporary replacement and resurface the road so Fennell Crescent can reopen to traffic. The road was closed from late July 2025 and is being reopened with a 5 tonne load limit and heavy vehicles detouring via Railway Parade. Council plans a full culvert replacement and broader road rehabilitation, with detailed design in the 2026-2027 financial year and construction in 2027-2028.
Swansea foreshore enhancement project
The construction of a new boardwalk, installation of public art, revegetation works, landscaping, new wayfinding and interpretive signage and an upgrade to the western car park.
42-44 Lake Road Residential Development
A 3-storey residential building comprising 20 apartments (3 one-bedroom and 17 two-bedroom), a 27 square metre commercial kiosk, 21 car parking spaces, and 1,012 square metres of landscaping. The development received approval from Lake Macquarie Council in April 2024 despite community concerns regarding traffic, drainage, and overshadowing. The building height of 12.22 metres exceeds the development standard by 2.2 metres to accommodate flood-level requirements for ground-floor apartments. The project includes communal open space and additional setbacks to southern boundaries to maintain solar access and privacy for neighbouring properties.
Ernest Street Residential Development
A DA-approved four-level residential apartment complex in Belmont, located near Lake Macquarie. The development comprises 27 apartments, including 1, 2, and 3-bedroom units, with a rooftop garden and outdoor dining area. The DA-approved site is currently for sale, as the original owner has had a change in circumstances.
834 residents of Marks Point are employed, from a labour force of 887. Unemployment sits at 6.1%, with participation at 55.9%. 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 1,476, about 79% 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
Marks Point possesses a capable local workforce anchored heavily in key community services, alongside an unemployment rate of 6.1% according to regional statistical aggregations by AreaSearch. As of March 2026, employed residents total 834, while local joblessness exceeds Regional NSW's 4.1% by 2.0 percentage points and the participation rate of 55.9% trails the broader regional benchmark of 60.6%. At the Census, 24.0% of workers indicated they worked remotely, though this metric was likely shaped by prevailing pandemic restrictions. Local workers are predominantly engaged across health care & social assistance, construction, and education & training.
The construction sector represents a major local specialty, commanding an employment concentration 1.4 times that of the surrounding region. By contrast, the agriculture, forestry & fishing industry accounts for no local workers, falling well behind the regional benchmark of 5.3%. A comparison between resident workers and local job counts confirms that this established residential enclave provides limited commercial employment within its own borders. Analyses of SALM and ABS data, drawn from larger statistical regions, indicate that the labour force shrank by 0.7% and employment fell by 2.8% during the year to March 2026, which caused the unemployment rate to climb by 2.2 percentage points. This trend differs from the experience in Regional NSW, where employment dropped by 0.9%, the labour force declined by 0.4%, and unemployment increased by 0.5 percentage points. Forecasts from Jobs and Skills Australia for the period starting Mar-26 provide additional context regarding anticipated job demand in Marks Point. These projections, which span five and ten year horizons, have been overlaid on the local employment profile to project future growth. National employment is expected to grow by 6.6% over five years and by 13.7% over ten years, though expansion varies considerably across different industry sectors. When these sector-specific forecasts are applied to Marks Point's current employment composition, local employment is projected to rise by 6.8% over five years and by 14.0% over ten years, though this calculation is a simple weighting exercise for illustrative purposes and does not incorporate localised population projections.
Frequently Asked Questions - Employment
Median household income in Marks Point is $1,122 a week (about $58,000 a year), with median personal income at $659 a week. ATO records put median taxable income at $51,242 a year against an average of $68,316. 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 taxpayer records for financial year 2023 published at the postcode level show the median income in the suburb of Marks Point at $51,242 and the average at $68,316, aligning closely with national standards while comparing to $52,390 (median) and $65,215 (average) across Regional NSW. Adjusting for a 10.32% rise in the Wage Price Index since financial year 2023 brings estimated current figures to around $56,530 for the median and $75,366 for the average as of March 2026. Across household, family, and individual brackets, Census earnings in the suburb sit between the 8th and 20th percentiles nationwide.
The local income profile is heavily weighted toward the $400 - 799 weekly band, which encompasses 27.4% of residents (512 individuals), whereas the wider region is led by the $1,500 - 2,999 range (29.9%). Housing cost burdens are pronounced, with uncommitted earnings averaging only 79.2%, placing the area at the 6th percentile.
Frequently Asked Questions - Income
Marks Point had 822 occupied dwellings at the 2021 Census, 58% detached houses and 29% apartments. 25% are owned with a mortgage, 40% rented and 34% owned outright. At that Census the median rent was $318 a week and the median mortgage repayment $1,800 a month. Rent absorbs 28.3% of household income here and mortgage repayments 37.0%. Dwelling stock, tenure and housing costs are 2021 Census measures — the only source that counts dwellings at this boundary size.
Detail
Census records indicate that standalone houses account for 57.6% of housing stock in Marks Point, with medium- and high-density formats comprising 42.5%, compared to 82.6% separate houses and 17.4% attached dwellings across Regional NSW. Outright home ownership stands at 34.3%, lagging the broader regional level, while 25.3% of dwellings are mortgaged and 40.3% are rented. The median monthly mortgage cost of $1,800 is higher than Regional NSW's $1,733, whereas the median weekly rent of $318 sits below the regional figure of $330. In a national context, mortgage repayments in Marks Point sit beneath the Australian average of $1,863, with local rents notably cheaper than the nationwide benchmark of $375.
Frequently Asked Questions - Housing
Marks Point counted 822 households at the 2021 Census, averaging 2.1 people each. 20% are couples with children, fewer than in 86% of areas nationally, against 25% couples without children. 38% of households are people living alone, and families average 1.9 children. Household and family composition is measured only by the Census, so these are 2021 figures.
Detail
Family units constitute 59.5% of households, consisting of couples without children (25.2%), couples with children (20.4%), and single parent families (12.6%). Non-family living arrangements account for the remaining 40.5%, comprising single-person households (38.3%) and group accommodation (2.1%). The median household size of 2.1 people sits below the Regional NSW average of 2.4.
Frequently Asked Questions - Households
18.1% of adults in Marks Point hold a university qualification, including 12.6% with a bachelor degree and 3.8% with postgraduate qualifications, lower than 83% of areas nationally. A further 32.2% hold a vocational qualification. 1 school serves the area, with 145 enrolment places and an average ICSEA of 938 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 levels show that 18.1% of residents hold university credentials, tracking considerably below the 32.2% NSW baseline. Bachelor degrees constitute the largest share of higher education at 12.6%, followed by postgraduate qualifications at 3.8% and graduate diplomas at 1.7%. Technical and vocational training is widely prevalent, with 41.7% of persons aged 15+ possessing vocational credentials, split between certificates (32.2%) and advanced diplomas (9.5%). Currently, 24.2% of the local population is engaged in formal learning. Primary school students make up 9.4% of the community, 5.4% are enrolled in secondary education, and 3.6% are completing tertiary studies.
Frequently Asked Questions - Education
Schools Detail
Public transport in Marks Point reaches 11 stops on 15 routes, timetabled for about 420 services a week. The typical home sits about 210 m from its nearest stop. 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
Public transport connectivity in Marks Point includes 11 active bus stops served by 15 separate bus routes, providing a combined total of 420 weekly passenger trips. Overall transport access is strong, with typical residential properties located 208 meters from the nearest stop. Commuters rely primarily on private vehicles, with driving capturing 93% of work journeys, while vehicle ownership averages 1.2 per dwelling, below the regional benchmark. Working from home was recorded by 24.0% of residents at the 2021 Census, subject to COVID-19 influences. Across the entire local network, services average 60 trips per day, which translates to roughly 38 weekly trips per individual stop.
Frequently Asked Questions - Transport
Transport Stops Detail
59.1% of residents in Marks Point report no long-term health condition, a less healthy profile than 77% of areas nationally. 7.3% need daily assistance with core activities, and 53.9% hold private health cover. The standardised death rate runs at 6.0 per 1,000 residents. Health conditions, assistance needs and insurance are 2021 Census measures; the death rate comes from current ABS releases.
Detail
Health indicators compiled by AreaSearch indicate elevated rates of chronic conditions and mortality, with notable health vulnerabilities evident across both younger and older cohorts in Marks Point. Private health insurance coverage is solid, held by approximately 54% of the population (~1,009 people), outperforming the Regional NSW average of 51.9%. Arthritis and mental health conditions are the most prevalent ailments locally, affecting 11.1 and 10.3% of residents respectively, while 59.1% reported no chronic medical conditions compared to 63.3% across Regional NSW. Chronic conditions are elevated among the working-age population. Seniors aged 65 and over comprise 28.4% of the suburb (531 people), well above the 23.3% proportion in Regional NSW, resulting in high national vulnerability rankings.
Frequently Asked Questions - Health
Marks Point is largely Australian-born, at 89.8% of residents, with 3.4% speaking a language other than English at home. The largest reported ancestries are English (32.8%) and Australian (30.4%). 4.8% 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
Cultural diversity in Marks Point is relatively low, with Australian citizens making up 91.3% of the community, 89.8% of residents born in Australia, and 96.6% speaking only English at home. Christianity is the predominant religious affiliation, encompassing 52.0% of the population, compared to 55.9% across Regional NSW. Looking at parental birthplaces, the principal ancestral backgrounds are English (32.8%), Australian (30.4%), and Scottish (9.4%). Notable proportional variations also exist among other heritages: Australian Aboriginal residents represent 4.8% of the community compared to 4.6% regionally, while Maltese and Welsh ancestries both account for 0.6% (compared to 0.4% and 0.5% across Regional NSW, respectively).
Frequently Asked Questions - Diversity
The median resident of Marks Point is 48, older than 88% of areas nationally. 20.0% 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
Marks Point possesses an older demographic balance than Regional NSW. Persons aged 65 and above account for 28.4% of the population as at August 2026, compared to 23.3% regionally, whereas children and youth (0 - 24) comprise 26.2% versus 29.3% across the wider region. The suburb's median age is estimated at 48, matching the 2021 Census figure, while exceeding Regional NSW (43) by 5 years and the national median (38). Since the Census, the retiree and senior cohort has risen from 25.4% to an estimated 28.4%. Demographic forecasts to 2041 suggest that young to middle-aged adults (25 - 44) will see the highest growth, adding 32 residents (8%) to reach 421, while younger cohorts, middle-aged groups, and younger retirees are expected to contract.
Frequently Asked Questions - Age
Data & MethodBoundaries, Sources & Method for Marks Point
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, Local governments Daily | May 2026 5 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 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 — 18 validated new addresses here. The headline figure is therefore a current estimate for Aug 2026, not a 2021 count (1,861 at the 2021 Census → 1,871 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 (SAL12502). QuickStats reports 2021 only — the figures on this page are more current wherever the ledger shows a later date.