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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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Nagambie has an estimated 2,702 residents, up from 2,254 at the 2021 Census — a change of 448 people, or 19.9%. Growth has averaged 4.0% a year over five years, faster than 90% of areas nationally. 288 new addresses have been validated here since Census night. Interstate and internal migration accounts for 73.0% of that increase. Density is about 19 people per square kilometre. Population is estimated from ABS Estimated Resident Population releases and GNAF address data, re-based from the 2021 Census and updated annually.
Detail
Based on statistical assessments of ABS updates for the region and subsequent address checks conducted by AreaSearch since the Census, the suburb of Nagambie is estimated to have a population of 2,702 as of May 2026. This representing a gain of 448 people (19.9%) relative to the 2021 Census count of 2,254 people. The calculation stems from a resident base of 2,612 calculated by AreaSearch using the June 2025 ERP release from the ABS combined with 288 validated new addresses found after the Census. This population level yields a density of 18.6 persons per square kilometer, which ensures a spacious living environment.
The expansion of 19.9% since the 2021 census outstripped the SA4 region (2.9%) and the Rest of Vic. area, establishing the suburb of Nagambie as a regional leader in growth. Recent demographic increases were mostly fueled by interstate migration, which accounted for approximately 73.0% of the overall gains. Projections developed by the ABS and Geoscience Australia for individual SA2 zones in 2024, using 2022 as a baseline, are used by AreaSearch. In cases where SA2 data is unavailable, regional and LGA forecasts published by the VIC State Government in 2023 are used, adjusted by weighting and aggregating population growth from LGA down to SA2 boundaries. Age-specific growth rates from these compilations are also projected forward for the years 2032 to 2041. Future demographic outlooks indicate that the suburb of Nagambie will experience rapid expansion, ranking in the top 10 percent of all non-metropolitan locations nationwide, with an expected increase of 1,907 persons by 2041 according to collective SA2 forecasts, which translates to a total growth of 67.2% over the 16 years.
Frequently Asked Questions - Population
240 new dwellings have been approved in Nagambie over the past five years, an average of 48 a year. That places the area in the 79th percentile for residential development activity nationally, about 18 approvals per 1,000 residents a year. Of the 50 dwellings approved in the latest reporting year, 96% were detached houses and the rest townhouses or apartments. Approvals are currently running at an annualised 30, 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
Building approvals tracked by ABS and mapped by AreaSearch show that the suburb of Nagambie averages approximately 48 dwellings approved annually, amounting to 240 residential approvals over the last 5 financial years (between FY-21 and FY-25) and 28 during the current FY-26 period. Given that 1.9 people have relocated to the locality for every completed dwelling over the last 5 financial years (between FY-21 and FY-25), supply is closely aligned with demand, supporting a balanced market. Meanwhile, the average value of newly constructed homes stands at $710,000, illustrating a focus by developers on upscale, premium projects.
Additionally, commercial development has remained quiet, with only $5.4 million in commercial building approvals registered during this financial year. Per capita building approvals in the suburb of Nagambie are 144.0% higher than the Rest of Vic., providing purchasers with a broader range of options. This rate is also significantly higher than the national average, indicating substantial developer confidence in the area. Detached houses comprise 96.0% of recent builds, while townhouses and apartments make up 4.0%, maintaining a spacious, low-density layout that appeals to buyers seeking space. The ratio of residents to newly approved homes stands at approximately 60 people per dwelling approval, showing a growing market. According to population projections, the suburb of Nagambie is set to add 1,817 residents by 2041 based on the most recent quarterly calculation from AreaSearch. Although construction volumes are keeping pace with these projections, home buyers could face more competitive conditions as population density increases.
Frequently Asked Questions - Development
Development applications around Nagambie
SOURCE: Planning portals and council registers, compiled by AreaSearch. Distance & bearing measured from the suburb midpoint.
AreaSearch tracks 64 current infrastructure and development projects close to Nagambie, worth an estimated $4.62 billion. 18 are already under construction and 19 are due for completion within three years. The pipeline spans residential development, sports & recreation and education & training. 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, regional planning, and development changes have a major impact on local performance. In total, no projects have been identified by AreaSearch that are expected to influence this locality. The primary projects of relevance to the area include the North East Rail Line Upgrade, Inland Rail Beveridge to Albury, the Regional Housing Fund, and Inland Rail - Tottenham To Albury.
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
Seymour Solar Farm
Goulburn Valley Water is developing a 5 MW solar farm comprising over 8,000 ground-mounted solar panels at the Seymour Wastewater Management Facility. The project is designed to power the facility with renewable electricity, export surplus power to the grid, and support the water authority's net-zero carbon transition.
Seymour Community Wellbeing Hub
Stage 1 of the Seymour Community Wellbeing Hub is a 17 million AUD integrated facility aimed at addressing intergenerational disadvantage. The two-storey development features a new library, community learning spaces, multipurpose meeting rooms, and a social enterprise cafe. It serves as a health hub providing clinical and non-clinical consulting rooms, with a focus on veterans mental health and dental services. Construction is scheduled to begin in mid-2026.
Journey Early Learning Seymour
A newly built 126-place early learning centre offering care and education from 6 weeks to school age, with a focus on nature-based play, spacious rooms with natural light, tiered play spaces, community activities, and a funded kindergarten program.
Haven Seymour
A 16-unit development providing long-term social housing and 24/7 on-site support for people with significant mental health and wellbeing concerns, featuring one-bedroom units with private facilities and communal areas in a landscaped setting to support recovery and community connection.
Euroa Bicentennial Park Play Space Upgrade
Upgrade of Bicentennial Park's gated play space in Euroa, including new adventure playground equipment, a sealed bike education track and shade sails, delivered by Strathbogie Shire Council to improve family-friendly recreation facilities.
Silkwater Plains Estate
Master-planned residential estate on the southern edge of Tatura comprising 175 residential lots. Stage 1 is titled with homes under construction and occupied, Stage 2 is progressing with titles expected during 2026, and Stage 3 has been released for sale. The estate provides lots ranging from approximately 490 to over 2,000 square metres and is located close to Tatura town centre and Shepparton.
GraniteHill Aged Care Expansion - Euroa Health
Euroa Health Inc. has expanded the GraniteHill Residential Aged Care facility from 75 to 85 beds, with a 10-bed dementia support unit completed in 2024. Co-located with the Euroa hospital site (now managed by GV Health following the 1 July 2024 acute services transfer), GraniteHill provides 24-hour nursing care across respite and permanent care. A Federal Government Aged Care Capital Assistance Program grant of approximately $498,000 was awarded in December 2024 to upgrade bed equipment across 75 rooms, improving safety and dignity for residents.Community services and care-at-home programs continue alongside the residential facility.
Lighting up Tatura Park Western Oval
Installation of four 30-metre light poles with 100-lux LED sports floodlighting at the Tatura Park Western Oval. This upgrade improves training and match opportunities for local sports clubs, including the Tatura Football Netball Club, and supports junior and women's football.
1,205 residents of Nagambie are employed, from a labour force of 1,261. Unemployment sits at 4.4%, with participation at 55.4%. Weighted for its industry mix, the area's sectors are forecast to grow about 5.5% nationally over five years. That reflects industry composition only and makes no allowance for local population growth, so in an area growing as fast as this one it understates the likely rise in local jobs. The working-day population is estimated at 2,225, about 82% 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
The suburb of Nagambie maintains a diverse labor force divided between white-collar and blue-collar occupations, with a notably high concentration of workers in the construction sector, and an unemployment rate of 4.4% compiled from regional statistical data by AreaSearch. In March 2026, employed residents numbered 1,205, which sits 0.8% above the 3.7% rate observed across Regional Vic. Furthermore, workforce participation is comparatively weak, registering at 55.4% compared to 61.1% in Regional Vic. Census data indicates that a modest 11.5% of the local workforce worked from home, though this figure was likely impacted by pandemic restrictions.
The major employment fields for residents are health care & social assistance, agriculture, forestry & fishing, and construction. Local specialization is particularly pronounced in agriculture, forestry & fishing, which employs workers at 1.7 times the regional average rate. Conversely, the retail trade sector accounts for only 6.0% of local jobs, trailing the Regional Vic. average of 9.9%. Comparing the resident labor pool to local Census employment numbers suggests a shortage of local jobs within the area. AreaSearch evaluations of SALM and ABS statistics for the broader region show that over the 12-month period, the total workforce shrank by 1.7% and overall employment fell by 1.1%, leading to a decrease in the unemployment rate of 0.5 percentage points. By comparison, Regional Vic. saw employment contract by 0.1%, the labor force drop by 0.3%, and the unemployment rate decline by 0.2 percentage points. National employment trends from Jobs and Skills Australia as of May-25 provide a benchmark for future demand in the suburb of Nagambie. These projections, spanning five and ten-year horizons, are compared to the local workforce structure to model future employment paths. While nationwide employment is predicted to grow by 6.6% over five years and 13.7% over ten years, the rates of change vary widely across industries. Applying these weighted national projections to the local workforce composition indicates that employment in the suburb of Nagambie could grow by 5.5% over five years and 12.1% over ten years, assuming local trends align with national averages without factoring in local population forecasts.
Frequently Asked Questions - Employment
Median household income in Nagambie is $1,144 a week (about $59,000 a year), with median personal income at $675 a week. ATO records put median taxable income at $46,192 a year against an average of $58,090. 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
Based on AreaSearch's compilation of the financial year 2023 ATO statistics for this postcode, taxpayers in the suburb of Nagambie recorded a median income of $46,192 and an average income of $58,090. These numbers sit below the national average and compare to median and average levels of $50,954 and $62,728 respectively across Regional Vic. Adjusting these figures for a Wage Price Index increase of 9.62% since financial year 2023 suggests current figures of roughly $50,636 for the median and $63,678 for the average as of March 2026. The 2021 Census indicates that household, family, and individual incomes in the suburb of Nagambie are situated between the 9th and 23rd percentiles nationwide.
Income distribution statistics show that 28.3% of local taxpayers (representing 764 individuals) earn between $400 - 799, whereas the surrounding region is dominated by the $1,500 - 2,999 range at 30.3%. Residents retain 85.6% of their income after paying for housing, which ranks in the 12th percentile nationally.
Frequently Asked Questions - Income
Nagambie had 945 occupied dwellings at the 2021 Census, 89% detached houses and 0% apartments. 27% are owned with a mortgage, 24% rented and 49% owned outright. At that Census the median rent was $295 a week and the median mortgage repayment $1,487 a month. Rent absorbs 25.8% of household income here and mortgage repayments 30.0%. 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 latest Census, the residential mix in the suburb of Nagambie consisted of 88.5% detached houses and 11.5% alternative dwellings such as townhouses, apartments, or other structures, compared to 90.1% houses and 9.9% other dwellings across Regional Vic. The level of outright home ownership in the suburb of Nagambie reached 48.6%, higher than the rate in Regional Vic., with the remaining housing stock split between homes with a mortgage (27.2%) and rented properties (24.2%). The median mortgage payment of $1,487 per month was higher than the Regional Vic.
median of $1,430, while weekly rent was recorded at $295 compared to $285 in Regional Vic. On a national level, mortgage repayments in the suburb of Nagambie are lower than the Australian median of $1,863, and rents are below the national median of $375.
Frequently Asked Questions - Housing
Nagambie counted 945 households at the 2021 Census, an estimated 1,133 today, averaging 2.1 people each. 20% are couples with children, fewer than in 88% of areas nationally, against 32% couples without children. 36% of households are people living alone, and families average 2.0 children. Household and family composition is measured only by the Census, so these are 2021 figures.
Detail
Families represent the majority of households at 61.2%, consisting of 19.7% couples with children, 32.3% couples without children, and 8.6% single-parent households. Non-family households make up the remaining 38.8%, which is composed of lone-person households at 35.9% and group living situations at 2.6%. The median household occupancy is 2.1 people, below the Regional Vic. average of 2.4.
Frequently Asked Questions - Households
15.6% of adults in Nagambie hold a university qualification, including 11.0% with a bachelor degree and 1.8% with postgraduate qualifications. A further 29.8% hold a vocational qualification. 2 schools serve the area, with 200 enrolment places and an average ICSEA of 1,006 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 areas of need, with university graduation rates at 15.6% sitting well below the VIC average of 33.4%. Bachelor degrees comprise the largest portion at 11.0%, followed by graduate diplomas at 2.8% and postgraduate qualifications at 1.8%. Conversely, vocational and technical credentials are quite common, with 40.0% of residents aged 15+ holding trade qualifications, consisting of advanced diplomas at 10.2% and certificates at 29.8%. A significant portion of the population, specifically 23.4%, is enrolled in formal studies. This cohort is divided into 8.8% in primary school, 7.1% in high school, and 2.1% in higher education.
Frequently Asked Questions - Education
Schools Detail
Getting around Nagambie means driving: households keep an average of 1.4 vehicles, and scheduled services reach only a handful of stops. Service data is built from operators' published GTFS timetables; vehicle ownership is from the 2021 Census.
Detail
Analysis of transit facilities shows that there are 4 active public transport stops within the suburb of Nagambie, consisting of train connections. These stops are serviced by 4 separate routes, providing a total of 92 passenger journeys weekly. Transit access is classified as limited, with residents living an average of 692 meters from their nearest stop. The suburb of Nagambie is primarily residential, and the majority of workers travel out of the area for employment, with cars being the main transport mode at 92%, and 6% of commuters walking. The average number of vehicles per home is 1.4.
A low proportion of residents (11.5%) worked from home, according to the 2021 Census, which may have been influenced by COVID-19 rules. Service frequency stands at an average of 13 daily departures across all transit lines, which represents roughly 23 weekly departures per individual stop.
Frequently Asked Questions - Transport
Transport Stops Detail
60.8% of residents in Nagambie report no long-term health condition. 7.1% need daily assistance with core activities, and 49.9% hold private health cover. The standardised death rate runs at 5.1 per 1,000 residents. Health conditions, assistance needs and insurance are 2021 Census measures; the death rate comes from current ABS releases.
Detail
Health measures indicate poorer outcomes for the suburb of Nagambie, according to AreaSearch evaluations of death rates and ongoing sickness, with typical medical issues slightly more common than average across both young and old cohorts. Additionally, the proportion of residents with private health insurance is relatively low at approximately 50% of the population, representing about 1,346 people, compared to the national average of 55.7%. Arthritis and asthma are the most common medical conditions, affecting 12.7% and 8.1% of residents respectively. Conversely, 60.8% of the population reported no chronic health conditions, compared to 63.4% across Regional Vic.
The working-age cohort faces notable health difficulties, with higher rates of long-term conditions. The suburb of Nagambie has a high concentration of older residents, with 34.8% of the population aged 65 and over (940 people) compared to 23.9% in Regional Vic., while national health percentiles align closely with the broader population.
Frequently Asked Questions - Health
Nagambie is largely Australian-born, at 88.1% of residents, with 6.2% speaking a language other than English at home. The largest reported ancestries are Australian (31.9%) and English (31.9%). Ancestry, language and country of birth are counted only by the Census, so these are 2021 figures.
Detail
The suburb of Nagambie has lower levels of cultural diversity than average, with citizens representing 88.0% of the population, Australian-born residents accounting for 88.1%, and 93.8% of people speaking only English at home. Christianity is the dominant religion, practiced by 56.2% of residents in the suburb of Nagambie, compared to 47.3% across Regional Vic. Regarding family backgrounds, the most common ancestries in the suburb of Nagambie are Australian at 31.9%, English at 31.9%, and Irish at 11.1%. There are minor differences in other heritages, with Scottish ancestry overrepresented at 9.0% compared to 8.8% regionally, Maltese at 0.4% compared to 0.5% regionally, and Macedonian at 0.1% compared to 0.2% regionally.
Frequently Asked Questions - Diversity
The median resident of Nagambie is 51, older than 93% 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
The median age in the suburb of Nagambie is 51 years, which is higher than both the Regional Vic. median of 43 and the Australian median of 38. Compared to Regional Vic., the 65 - 74 age bracket is overrepresented at 19.1% of the population, whereas the 5 - 14 group is underrepresented at 8.2%. The concentration of residents aged 65 - 74 sits well above the national figure of 9.4%. Post-2021 Census figures reveal that the 75 to 84 age bracket has grown from 9.2% to 12.1% of the population, and the 65 to 74 group rose from 17.4% to 19.1%.
Meanwhile, the 55 to 64 group declined from 15.7% to 13.5% and the 45 to 54 group dropped from 9.7% to 8.2%. By 2041, significant changes in age demographics are expected, led by the 75 to 84 group which is projected to expand by 95% (an increase of 309 people) to reach 636 residents from 326.
Frequently Asked Questions - Age
Data & MethodBoundaries, Sources & Method for Nagambie
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 — 288 validated new addresses here. The headline figure is therefore a current estimate for May 2026, not a 2021 count (2,254 at the 2021 Census → 2,702 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 (SAL21867). QuickStats reports 2021 only — the figures on this page are more current wherever the ledger shows a later date.