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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 North Epping is $2.30m, with units at $1.89m. House values have moved 1.9% 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
North Epping has an estimated 4,547 residents, down from 4,657 at the 2021 Census — a change of 110 people, or 2.4%. The population has thinned by an average 2.1% a year over five years, slower than 98% of areas nationally. That puts 1,968 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 ABS regional updates alongside validated new addresses post-Census, the suburb of North Epping has an estimated resident count of roughly 4,547 as of Aug 2026. This represents a contraction of 110 people (2.4%) relative to the 2021 Census tally of 4,657 people. That adjustment stems from an ERP figure of 4,383 determined via the ABS (June 2025) release, plus 2 validated new addresses recorded following the Census date. Consequently, population density stands at 1,968 persons per square kilometer, sitting higher than the typical benchmark across national locations assessed by AreaSearch.
In recent times, population gains were overwhelmingly underpinned by overseas migration, which accounted for approximately 88.0% of additions. Projections for the suburb of North Epping incorporate the 2024 ABS/Geoscience Australia dataset (using 2022 as the base year) at the SA2 level, supplemented by 2022 NSW State Government projections (with 2021 as the base year) where necessary, extending age-cohort trends from 2032 to 2041. Looking forward, demographic forecasts place the suburb in the highest quartile nationwide, anticipating an expansion of 1,600 persons to 2041 via aggregated SA2 metrics, which amounts to a 31.6% rise across the 16 years.
Frequently Asked Questions - Population
52 new dwellings have been approved in North Epping over the past five years, an average of 10 a year. That is 2.2 approvals per 1,000 residents. Few approvals have been recorded in the most recent months, well below the longer-run average; the latest ABS periods are still being reported. Figures come from ABS building approvals aggregated to this Suburb (SAL) boundary and are updated monthly as the ABS releases them.
Detail
Examining ABS residential approval figures distributed to statistical areas, AreaSearch notes that North Epping has averaged approximately 10 dwellings approved per year, accumulating an estimated 52 homes across the past 5 financial years. Throughout FY-25 to date, no approvals have been recorded. Amid recent population declines, incoming residential construction has generally kept pace with buyer requirements, maintaining solid market availability. Meanwhile, commercial construction approvals totaled $3,000 this financial year, reflecting negligible non-residential building activity. Residential building activity in North Epping trails Greater Sydney substantially, tracking at 66.0% below regional average per person.
Such constrained construction often bolsters valuation and buyer interest for established dwellings. Activity also sits lower than the national benchmark, highlighting established suburban development and probable regulatory constraints. Furthermore, all recent approvals have concentrated exclusively in medium and high-density housing types. This emphasis on higher-density stock offers more accessible entry pricing suited to downsizers, first-home buyers, and investors, marking a noticeable pivot from the prevailing pattern (currently 92.0% houses) driven by limited site availability and evolving buyer needs. Projections indicate that North Epping will add 1,436 residents through to 2041 relative to the latest AreaSearch quarterly estimate. If recent building volumes persist, new residential additions could fall short of resident inflows, potentially intensifying purchaser demand and placing upward pressure on property values.
Frequently Asked Questions - Development
Development applications around North Epping
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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 one current infrastructure or development project inside North Epping, worth an estimated $194 million. A further 93 sit in the immediately surrounding suburbs, taking the tracked pipeline within reach of the area to $36.4 billion. 22 are already under construction and 40 are due for completion within three years. The pipeline spans residential development, communities, precincts & urban renewal 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
Local capital works and urban planning frameworks play an essential role in shaping community development. AreaSearch has highlighted 2 primary initiatives with potential local significance. Key developments under consideration include Senso Epping, Northern Sydney Freight Corridor Stage 2, The Cambridge Retirement Village, and Dence Park Master 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
Senso Epping
Mixed-use precinct delivering 374 apartments and about 918 sqm of ground-floor retail with resort-style amenities including pools, gym, landscaped public areas and EV facilities. Concept SSD approved, detailed design approved, sales underway and construction certification issued, with works progressing toward delivery.
Cielo Epping
Mixed-use development by Meriton featuring Epping's tallest tower at 29 levels with 209 one, two, and three-bedroom apartments, designed with Studio SC. Includes premium finishes, sustainable features, onsite childcare centre, two retail shops, gym, sauna, outdoor pool, BBQ pavilion, and a level 26 rooftop garden. Located 4 minutes walk from Epping Train and Metro Station.
Senso Epping
Nestled in the heart of Epping, Senso redefines modern urban living with exquisitely designed residences, cascading gardens, and resort-style experiences. Featuring 1, 2, 3 and 4 bedroom residences and penthouses. The development comprises 374 apartments and includes 918 sqm retail space at ground level. Premium amenities including rooftop pools, gym, cinema, sensory walk, and communal spaces.
Epping Central Development
Proposed mixed-use development featuring two towers (20 and 22 storeys) with 126 apartments, retail, and commercial spaces opposite Epping train station. It includes underground parking and ground-level community and market facilities to rejuvenate the area.
Senso Epping Mixed-Use Development
Mixed-use development comprising 479 apartments, approximately 918 sqm of retail space and a minimum 5% affordable housing. The project forms part of the Sydney Metro Northwest Places program and includes rooftop pools, gym, wellness facilities, cinema and landscaped communal areas. Construction has commenced and sales are underway, with completion anticipated in 2028.
Marsfield Common
Proposal to rezone the privately-owned TG Millner Field at 146-150 Vimiera Road, Marsfield and deliver 132 low-rise terrace homes (max 2 storeys) alongside a new 1-hectare public park featuring a district playground, amphitheatre, sports courts, paths, seating, and fitness equipment. A Voluntary Planning Agreement includes a $5 million contribution towards affordable housing and local infrastructure, and the planting of approximately 500 new trees. The site was sold in December 2025 by North Ryde RSL to a purchaser associated with Winston Langley and the Abadeen Group.A NSW Government Gateway Determination was issued on 4 December 2025, directing the proposal to proceed to public exhibition and assessment.
Epping Town Centre East Upgrades
Public domain improvements in Oxford Street, Langston Place, Pembroke Street and Cambridge Street. New paving in selected areas, new kerb ramps and on-grade road pavement treatment for visual direction at pedestrian crossings, new trees and soft landscaping, laneway upgrade adjacent to the Epping School of Arts Community Centre to improve connectivity to Cambridge Street, new street furniture, new decorative and feature lighting, asphalt road pavement upgrade, selective kerb replacement.
Macquarie Rise
Macquarie Rise is a luxury mixed-use development by TOGA, delivered in partnership with Baptist Union NSW and Morling College. The project features three residential towers ranging from 12 to 14 storeys, containing 268 apartments. These sit above a two-storey commercial podium providing 1,200 sqm of retail and office space. Residents have access to 'Club Rise' amenities including a 20m lap pool, gym, Pilates studio, and cinema room.
2,603 residents of North Epping are employed, from a labour force of 2,648. Unemployment sits at 1.7%, with participation at 72.2%. Weighted for its industry mix, the area's sectors are forecast to grow about 7.4% nationally over five years. That reflects industry composition only and makes no allowance for local population growth. The working-day population is estimated at 3,545, about 78% 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 data aggregated by AreaSearch shows that North Epping features a highly qualified labor pool, notable tech industry representation, and an unemployment rate of just 1.7%. By March 2026, employed residents reached 2,603, while unemployment tracked 2.4% below Greater Sydney's rate of 4.1%, accompanied by a workforce participation rate of 72.2% compared to Greater Sydney's 68.9%. Furthermore, Census findings indicated that 60.4% of employed persons were working from home, a metric influenced by Covid-19 lockdown measures. Resident employment centers primarily around professional & technical, health care & social assistance, and education & training sectors.
Concentration in professional & technical roles is particularly pronounced, registering at 1.4 times the regional average. Conversely, construction accounts for a smaller footprint, capturing 5.9% employment compared to 8.6% regionally. Given the disparity between local Census workers and resident totals, the locality functions largely as a dormitory residential community with modest on-site job opportunities. According to AreaSearch review of SALM and ABS statistics across broader statistical areas, the year to March 2026 recorded a 2.2% reduction in the workforce alongside a 2.3% contraction in employment, leaving joblessness relatively steady, whereas Greater Sydney saw employment and labor pool gains of 1.9% and 1.9%. Insights from Jobs and Skills Australia national forecasts published in Mar-26 provide further context on potential occupational shifts for North Epping. Across nationwide five-year and ten-year horizons, overall employment is projected to rise by 6.6% and 13.7%, though sector growth varies; applying these industry parameters to the local employment distribution points to prospective local employment gains of 7.4% over five years and 14.8% over ten years (a basic weighted calculation presented for illustrative context, without factoring in local population projections).
Frequently Asked Questions - Employment
Median household income in North Epping is $3,062 a week (about $159,000 a year), with median personal income at $1,036 a week. ATO records put median taxable income at $55,295 a year against an average of $78,115. The average runs 41% above the median, a wider spread than most areas and a sign of a concentrated group of high earners. 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 compiled by AreaSearch for financial year 2023 place personal earnings in North Epping among the highest nationally, featuring a median income of $55,295 and an average income of $78,115, whereas Greater Sydney recorded a median income of $60,817 and an average income of $83,003. Applying a 10.32% rise in the Wage Price Index since financial year 2023 yields updated modeled figures of roughly $61,001 (median) and $86,176 (average) by March 2026. The 2021 Census placed local household earnings in the 97th percentile ($3,062 weekly). Notably, 36.6% of residents (1,664 individuals) fall into the $4000+ earnings bracket, diverging from the broader region where $1,500 - 2,999 is most prevalent at 30.9%.
High earning power is further demonstrated by 50.8% of households generating over $3,000 per week, while residents retain 88.4% of income following housing outlays, corresponding to a SEIFA income placement in the 10th decile.
Frequently Asked Questions - Income
North Epping had 1,503 occupied dwellings at the 2021 Census, 92% detached houses and 3% apartments. 41% are owned with a mortgage, 12% rented and 48% owned outright. At that Census the median rent was $615 a week and the median mortgage repayment $3,000 a month, a total housing cost higher than 83% of areas nationally. Rent absorbs 20.1% of household income here and mortgage repayments 22.6%. Dwelling stock, tenure and housing costs are 2021 Census measures — the only source that counts dwellings at this boundary size.
Detail
According to the latest Census, residential accommodation in North Epping was comprised of 91.8% houses alongside 8.2% other dwellings (incorporating semi-detached homes, apartments, and other residential formats), differing markedly from metropolitan Sydney where figures stood at 55.9% houses and 44.1% other dwellings. Outright property ownership reached 47.5%, well above the metropolitan rate, with remaining properties carrying a mortgage (41.0%) or occupied by tenants (11.5%). Median housing costs were elevated, with monthly mortgage commitments at $3,000 and weekly rents at $615, compared to Sydney metro benchmarks of $2,427 and $470. These figures also substantially outpace national averages of $1,863 for mortgages and $375 for rental payments.
Frequently Asked Questions - Housing
North Epping counted 1,503 households at the 2021 Census, averaging 3.1 people each. 53% are couples with children, more than in 96% of areas nationally, against 25% couples without children. 14% of households are people living alone, and families average 1.6 children. Household and family composition is measured only by the Census, so these are 2021 figures.
Detail
Households in the area are predominantly family-oriented, accounting for 85.6% of all dwellings; within this cohort, couples with children represent 52.6%, couples without children comprise 25.0%, and single parent families constitute 7.3%. Non-family setups form the remaining 14.4%, consisting of single-person households at 13.5% and group households at 1.1%. The area registers a median household size of 3.1 people, exceeding the 2.7 benchmark for Greater Sydney.
Frequently Asked Questions - Households
52.7% of adults in North Epping hold a university qualification, including 30.5% with a bachelor degree and 17.9% with postgraduate qualifications, higher than 98% of areas nationally. A further 11.6% hold a vocational qualification. 1 school serves the area, with 414 enrolment places and an average ICSEA of 1,166 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
Attainment levels among residents in North Epping exceed broader regional and national averages, with 52.7% of individuals aged 15+ holding a higher education qualification, versus 30.4% in Australia and 32.2% in NSW. Among those with tertiary credentials, 30.5% hold bachelor degrees, 17.9% hold postgraduate qualifications, and 4.3% hold graduate diplomas. Technical and vocational education accounts for 21.0% of formal qualifications for the population aged 15+, divided into advanced diplomas (9.4%) and certificates (11.6%). Formal study engagement is substantial across the community, with 33.0% of residents actively enrolled in an educational course.
Broken down by stage, this includes 10.3% attending primary school, 10.3% in secondary school, and 7.4% engaged in tertiary study.
Frequently Asked Questions - Education
Schools Detail
Public transport in North Epping reaches 26 stops on 3 routes, timetabled for about 270 services a week. The typical home sits about 140 m from its nearest stop. Households keep an average of 1.6 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 North Epping includes 26 active bus stops across the suburb. These facilities are served by 3 dedicated routes that deliver 271 weekly passenger trips, with residents situated an average of 143 meters from their nearest stop. Given the area's residential profile, commuting is largely outbound, with private vehicles accounting for 82% of travel and train journeys representing 10%. Household vehicle ownership averages 1.6 cars, above regional norms, while 60.4% of working residents reported working from home at the 2021 Census under prevailing pandemic conditions. Transit schedules across all local routes provide an average of 38 trips per day, which corresponds to roughly 10 weekly trips for each individual stop.
Frequently Asked Questions - Transport
Transport Stops Detail
73.2% of residents in North Epping report no long-term health condition, a healthier profile than 91% of areas nationally. 3.4% need daily assistance with core activities, and 57.8% hold private health cover. The standardised death rate runs at 4.1 per 1,000 residents. Health conditions, assistance needs and insurance are 2021 Census measures; the death rate comes from current ABS releases.
Detail
Health indicators compiled by AreaSearch show favorable outcomes in North Epping across age brackets, characterized by low chronic illness prevalence and favorable mortality trends. Private health insurance coverage is extensive, taken up by approximately 58% of all residents (~2,627 people), tracking close to the 59.9% recorded throughout Greater Sydney. Asthma and arthritis represent the two most prevalent diagnosed conditions, recorded at 7.1 and 6.1% of the population, whereas 73.2% of residents reported having no long-term medical conditions, comparable to the 74.6% benchmark across Greater Sydney. Residents aged 65 and over constitute 19.8% of the community (900 people), tracking above the 15.5% share in Greater Sydney, with senior health rankings remaining strong across national comparisons.
Frequently Asked Questions - Health
37.1% of North Epping residents were born overseas and 33.9% speak a language other than English at home, more culturally diverse than 80% of areas nationally. The largest reported ancestries are English (20.8%) and Australian (20.2%). Ancestry, language and country of birth are counted only by the Census, so these are 2021 figures.
Detail
North Epping demonstrates broad multicultural representation, with 37.1% of residents born abroad and 33.9% utilizing a non-English language in their homes. Christianity forms the largest religious affiliation at 50.8% of the community. Additionally, Hinduism accounts for 4.4% of local residents, compared to 5.2% across Greater Sydney. Regarding parental lineage, the three leading ancestries recorded in North Epping are English (20.8%), Australian (20.2%), and Chinese (15.2%), the latter exceeding the regional share of 8.4%. Other notable background concentrations include Korean at 2.8% (versus 1.1% regionally), Sri Lankan at 0.7% (versus 0.3%), and Hungarian at 0.4% (versus 0.3%).
Frequently Asked Questions - Diversity
The median resident of North Epping is 44, older than 76% of areas nationally. 22.4% 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 estimates updated to August 2026 indicate a mature age distribution in North Epping relative to metropolitan averages. The 45 - 64 age bracket accounts for 30.3% of the community compared to 22.6% in Greater Sydney, while individuals aged 25 - 44 represent 17.4% locally against 31.4% regionally. The estimated median age of 44 matches the 2021 Census figure, sitting above both the Greater Sydney median of 37 and the national median of 38 recorded at that time. Since the Census, the senior cohort (65+) expanded from 18.6% to an estimated 19.8%, and is projected to experience the highest growth through to 2041, increasing by 573 residents (64%) to reach 1,473.
Frequently Asked Questions - Age
Data & MethodBoundaries, Sources & Method for North Epping
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 | Oct 2025 about a year ago all 1 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 Oct 2025. | ||
| 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 — 2 validated new addresses here. The headline figure is therefore a current estimate for Aug 2026, not a 2021 count (4,657 at the 2021 Census → 4,547 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 (SAL13000). QuickStats reports 2021 only — the figures on this page are more current wherever the ledger shows a later date.