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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 Gosford is $941k, with units at $670k. House values have moved 3.1% a year compounded over five years.
Curious about local property values? Filter the chart to assess the volume and appreciation (including resales) trends and regional comparisons, or scroll to the map below view this information at an individual property level.
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North Gosford has an estimated 5,173 residents, up from 3,986 at the 2021 Census — a change of 1,187 people, or 29.8%. Growth has averaged 5.2% a year over five years, faster than 95% of areas nationally. 169 new addresses have been validated here since Census night. Overseas migration accounts for 66.0% of that increase. That puts 2,694 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 evaluations of ABS population updates for the wider region and post-Census validated addresses by AreaSearch, the suburb of North Gosford has a resident count of approximately 5,173 as of May 2026. This represents an addition of 1,187 people (29.8%) since the 2021 Census, which documented 3,986 residents. This shift is calculated from a resident base of 5,163, determined by AreaSearch using the June 2025 ABS ERP release and 169 validated new addresses established post-Census. Such resident numbers produce a density of 2,694 persons per square kilometer, placing the suburb of North Gosford in the top quartile of locations nationally analyzed by AreaSearch.
The 29.8% expansion rate recorded in the suburb of North Gosford since the 2021 census outpaced both the SA3 area (2.6%) and the SA4 region, establishing it as a regional growth leader. This population rise was mostly propelled by net overseas migration, which accounted for roughly 66.0% of the total demographic growth in recent times. AreaSearch utilizes projections from the ABS and Geoscience Australia for every SA2 locality, published in 2024 using 2022 as the base year. Where these are unavailable, SA2 projections from the NSW State Government published in 2022 using 2021 as the baseline are applied. Demographic growth projections by age brackets from these sources are extended to all localities for the period spanning 2032 to 2041. Future models point to significant demographic expansion in the upper national quartile for the suburb of North Gosford, with projections indicating an increase of 2,085 persons by 2041, representing a cumulative 40.1% rise over the 16 years.
Frequently Asked Questions - Population
227 new dwellings have been approved in North Gosford over the past five years, an average of 45 a year. That places the area in the 86th percentile for residential development activity nationally, about 9 approvals per 1,000 residents a year. Of the 57 dwellings approved in the latest reporting year, 5% were detached houses and the rest townhouses or apartments. Approvals are currently running at an annualised 19, 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 North Gosford averages approximately 45 residential approvals annually, with a total of 227 dwellings authorized over the last 5 financial years. Thus far in FY-26, 18 approvals have been registered. Given that 5.1 people relocated to the area for every completed home during the 5 financial years between FY-21 and FY-25, demand remains well ahead of additions, typically fostering price appreciation and heightened competition among buyers, while new builds average an expected construction cost of $382,000. Additionally, commercial approvals worth $21.3 million have been logged this financial year, pointing to steady commercial development.
In comparison to Greater Sydney, per-capita building activity in North Gosford is 175.0% higher, giving buyers a wider selection of homes despite a recent slowdown in construction momentum. Newly approved housing consists of 5.0% standalone houses and 95.0% medium-to-high density projects. This shift toward denser housing provides affordable entry points and suits downsizers, investors, and first-time buyers. This marks a notable departure from the current housing stock, which consists of 54.0% houses, showing a scarcity of vacant land alongside changing lifestyle and affordability priorities. With approximately 167 people for each approved dwelling, the area displays key attributes of a growth corridor. Projections indicate that North Gosford will add 2,075 residents by 2041 according to the most recent quarterly estimates from AreaSearch. If current building rates do not accelerate, housing completions may fall behind population growth, which is likely to intensify competition among buyers and support price growth.
Frequently Asked Questions - Development
Development applications around North Gosford
Loading development applications…
| Lodged | Address | Description | Type | Distance | Status |
|---|
SOURCE: Planning portals and council registers, compiled by AreaSearch. Distance & bearing measured from the suburb midpoint.
AreaSearch tracks 3 current infrastructure and development projects inside North Gosford, worth an estimated $691 million. A further 38 sit in the immediately surrounding suburbs, taking the tracked pipeline within reach of the area to $3.48 billion. 7 are already under construction and 10 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 infrastructure updates, planning schemes, and major construction projects are key drivers of local performance. AreaSearch has identified a total of 23 projects expected to influence the area. Prominent works include the M1 Pacific Motorway widening between Kariong and Somersby, the Central Coast Film Studios, Amalfi by ALAND, and the Central Coast Quarter, with the most relevant local details listed below.
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
M1 Pacific Motorway Kariong to Somersby Widening
Widening of M1 Pacific Motorway between Kariong and Somersby interchanges to improve traffic flow and reduce congestion on this critical corridor between Sydney and Newcastle.
Central Coast Quarter
Central Coast Quarter is a landmark mixed-use waterfront precinct transforming the former Gosford Primary School site. Stage 1, known as 'The Waterfront', reached completion in early 2026 and features 134 luxury apartments. As of March 2026, revised plans for Stage 2 (East and South towers) have been proposed as a State Significant Development, seeking to increase heights to 36 and 42 storeys to provide approximately 394 additional dwellings, including 98 affordable housing units, and a 152-room hotel above a retail podium.
Wyoming Shopping Village Upgrade
The Wyoming Shopping Village Upgrade involves the extension and refurbishment of the existing neighborhood shopping center. The project is anchored by a full-line Coles supermarket and focuses on enhancing the tenancy mix with health, beauty, food, and beverage services. As of early 2026, the center's official website indicates it is under upgrading, and GWPC continues to manage the extension works and refurbishment of the existing specialty shops.
Narara District Master Plan
Development and delivery of master plans for the Narara District including Lisarow, Wyoming, and Niagara Park to support housing, community infrastructure, and urban development within the Central Coast Council local government area.
Residential Towers - Watt Street and Henry Parry Drive
Mixed-use residential development comprising two towers of 12 and 14 storeys above a three-level basement with 125 apartments and ground-floor retail. A seventh modification application revises apartment layouts, communal facilities, facade materials, parking and rooftop open space while retaining the approved overall scale. Completion remains anticipated during 2026.
Gosford Alive - Detailed Design
Gosford Alive is a mixed-use urban renewal project on the former Kibbleplex site in Gosford. The concept and Stage 1 SSD approval remains in place, with Modification 2 approved on 31 July 2025 to allow staged construction and related condition changes. A new detailed design SSD is at Prepare EIS stage for five mixed-use residential towers with commercial and retail uses, communal open space, new public realm and links from Kibble Park. The project site is about 1.4 hectares and is planned to deliver around 650 dwellings plus more than 5,000 sqm of ground-floor retail and commercial space.
Sapphire Gosford
Luxury residential project of 97 apartments across three 10-storey towers with a shared podium, gym, pool and landscaped courtyards. Construction reached advanced stages but work was reported halted in 2024 pending defect rectification and occupation certificate matters. Current status appears paused/near-complete awaiting resolution by parties involved.
Narara Valley Estate
Small residential subdivision on Deane Street in Narara providing new house and land lots within walking distance of Narara Valley High School and Narara railway station. Civil works and home construction are progressing with multiple builders marketing packages to first home buyers and local upgraders.
2,875 residents of North Gosford are employed, from a labour force of 3,069. Unemployment sits at 6.3%, with participation at 70.9%. Weighted for its industry mix, the area's sectors are forecast to grow about 7.1% 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. Unemployment and labour force come from ABS Small Area Labour Markets, updated quarterly; the industry and occupation profile is from the 2021 Census.
Detail
North Gosford has a skilled workforce with essential services sectors well represented, an unemployment rate of 6.3%, and 8.0% in estimated employment growth over the past year, based on AreaSearch aggregation of statistical area data. As of March 2026, 2,875 residents are in work while the unemployment rate is 2.2% above Greater Sydney's rate of 4.1%, and workforce participation is broadly similar to Greater Sydney's 69.1%. Based on Census responses, a high 31.5% of residents were found to work from home, though Covid-19 lockdown impacts should be considered. Local residents are primarily employed in healthcare & social assistance, retail trade, and construction.
The healthcare & social assistance sector has a particularly strong presence, employing 1.6 times the regional average. Conversely, professional & technical services are underrepresented, accounting for only 7.1% of local workers compared to 11.5% in Greater Sydney. Although there are employment hubs within the district, Census commuting ratios suggest that a significant portion of the workforce travels to other areas for work. Based on SALM and ABS statistics aggregated across broader areas by AreaSearch, the recent 12-month period saw employment rise by 8.0% and the local labor force grow by 8.5%, resulting in a 0.5 percentage point increase in unemployment. By comparison, Greater Sydney saw employment rise by 1.9%, the labor force expand by 1.9%, and unemployment decrease slightly. Industry growth projections from Jobs and Skills Australia as of May-25 offer additional context on future demand patterns. These five and ten-year national forecasts have been aligned with local industry representation to project future employment paths. Nationally, employment is expected to rise by 6.6% over five years and 13.7% over ten years, though trends vary by sector. Applying these trends to the local industry mix suggests employment among residents could increase by 7.1% over five years and 14.6% over ten years, representing a basic weighting extrapolation that does not incorporate local population growth projections.
Frequently Asked Questions - Employment
Median household income in North Gosford is $1,406 a week (about $73,000 a year), with median personal income at $738 a week. ATO records put median taxable income at $47,889 a year against an average of $61,888. 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 aggregation of the latest postcode-level ATO data released for financial year 2023, taxpayers in the suburb of North Gosford recorded a median income of $47,889 and an average income of $61,888. These figures are below national benchmarks and compare to median and average levels of $60,817 and $83,003 in Greater Sydney, respectively. Adjusting for Wage Price Index growth of 10.32% since financial year 2023, the current figures are estimated to be approximately $52,831 for median income and $68,275 for average income as of March 2026. The 2021 Census shows household, family, and individual incomes are moderate, placing between the 29th and 36th percentiles.
The weekly earnings distribution shows that the $1,500 - 2,999 range includes 31.7% of the community, or 1,639 individuals, which is comparable to the wider region where this segment accounts for 30.9% of the population. Affordability pressures are high, with only 77.3% of income remaining after housing costs, ranking in the 20th percentile, while the SEIFA index for income places the area in the 4th decile.
Frequently Asked Questions - Income
North Gosford had 1,627 occupied dwellings at the 2021 Census, 54% detached houses and 29% apartments. 30% are owned with a mortgage, 50% rented and 21% owned outright. At that Census the median rent was $390 a week and the median mortgage repayment $1,810 a month. Rent absorbs 27.7% of household income here and mortgage repayments 29.7%. 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 data, residential housing in North Gosford consists of 53.7% standalone houses and 46.3% alternative housing types, such as townhouses and apartments, compared to 55.9% houses and 44.1% other dwellings across metropolitan Sydney. Home ownership rates are lower than the Sydney average, sitting at 20.5%, with the remaining properties occupied by residents with a mortgage (30.1%) or renting (49.5%). The median monthly mortgage payment of $1,810 is significantly lower than the Sydney metropolitan average of $2,427, and the median weekly rent is $390 compared to Sydney's $470.
On a national level, mortgage repayments are below the Australian average of $1,863, while weekly rents exceed the national average of $375.
Frequently Asked Questions - Housing
North Gosford counted 1,627 households at the 2021 Census, an estimated 2,112 today, averaging 2.3 people each. 24% are couples with children, against 22% couples without children. 32% of households are people living alone, and families average 1.4 children. Household and family composition is measured only by the Census, so these are 2021 figures.
Detail
Family households represent 63.6% of all occupied properties, consisting of couples with children at 24.3%, couples without children at 22.0%, and single-parent households at 15.9%. Non-family households account for the remaining 36.4%, with single-person households representing 32.3% and group households making up 4.3%. The median household size is 2.3 individuals, which is smaller than the Greater Sydney average of 2.7.
Frequently Asked Questions - Households
27.0% of adults in North Gosford hold a university qualification, including 18.1% with a bachelor degree and 6.4% with postgraduate qualifications. A further 25.9% hold a vocational qualification. 1 school serves the area, with 46 enrolment places and an average ICSEA of 869 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
The local area presents opportunities for targeted education initiatives, as the university qualification rate of 27.0% is below the Greater Sydney average of 38.0%. Among those with tertiary degrees, Bachelor degrees are most common at 18.1%, followed by postgraduate qualifications at 6.4% and graduate diplomas at 2.5%. Vocational education is prominent, with 37.9% of residents aged 15+ holding a technical qualification, consisting of advanced diplomas at 12.0% and certificates at 25.9%. Enrolment rates are high, with 30.3% of the population currently undertaking formal studies. This group is composed of 8.7% in primary school, 7.6% in high school, and 5.8% in tertiary education.
Frequently Asked Questions - Education
Schools Detail
Public transport in North Gosford reaches 32 stops on 17 routes, timetabled for about 670 services a week. The typical home sits about 120 m from its nearest stop. Buses carry the largest share of public transport commuters. Households keep an average of 1.0 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 includes 32 active bus stops in North Gosford. These stops are served by 17 routes that provide a combined 670 passenger trips each week. Access is highly rated, with residents living an average of 119 meters from their nearest stop. The suburb is primarily residential, and most workers commute to external employment zones. Private vehicles are the main transport mode at 81%, followed by trains at 8% and walking at 5%. Vehicle ownership stands at an average of 1.0 per household, below the metropolitan average. The 2021 Census recorded 31.5% of residents working from home, which may reflect pandemic-related conditions.
Daily services average 95 runs across all routes, which corresponds to approximately 20 weekly trips for each individual stop.
Frequently Asked Questions - Transport
Transport Stops Detail
62.7% of residents in North Gosford report no long-term health condition, a less healthy profile than 80% of areas nationally. 6.3% need daily assistance with core activities, and 51.4% 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
Analysis of mortality rates and chronic illness indicators by AreaSearch reveals distinct healthcare challenges, with common medical conditions notable in both younger and older cohorts, alongside a relatively low rate of private health insurance coverage at approximately 51% of the population, representing about 2,660 residents. This compares to a coverage rate of 59.9% across Greater Sydney. Mental health conditions and asthma are the most common medical issues locally, affecting 12.4 and 9.9% of the population, respectively. Meanwhile, 62.7% of residents reported having no chronic medical conditions, compared to 74.6% in Greater Sydney.
The working-age cohort shows elevated rates of chronic illness, and residents aged 65 and over make up 14.6% of the population, totaling 755 people. Health outcomes for older residents are generally in line with national benchmarks for this age group.
Frequently Asked Questions - Health
North Gosford is largely Australian-born, at 75.6% of residents, with 15.7% speaking a language other than English at home. The largest reported ancestries are English (27.1%) and Australian (25.5%). Ancestry, language and country of birth are counted only by the Census, so these are 2021 figures.
Detail
Cultural diversity is higher than the national average, with 24.4% of residents born outside Australia and 15.7% using a non-English language at home. Christianity is the most common religious affiliation, representing 47.4% of the population. The most prominent statistical divergence is in the Other category, which accounts for 1.2% of residents compared to 1.4% across Greater Sydney. Regarding parental ancestry, the three most common backgrounds are English at 27.1% of the population, which is higher than the regional average of 19.0%, Australian at 25.5%, which is higher than the regional average of 17.8%, and Irish at 8.7%.
There are also minor differences in other backgrounds, with Hungarian heritage representing 0.5% of the population compared to 0.3% regionally, Russian heritage at 0.7% compared to 0.4%, and Korean heritage at 1.2% compared to 1.1%.
Frequently Asked Questions - Diversity
The median resident of North Gosford is 36. 32.5% of residents are aged 15 to 34. Age cohorts are not raw Census counts: the Census split is re-based to the latest ABS population estimates and state projections.
Detail
The median age of 36 years in North Gosford is close to the Greater Sydney average of 37 and slightly below the Australian median of 38. Compared to the Greater Sydney region, there is a higher proportion of residents aged 25 - 34 (18.9%) and a lower proportion of children aged 5 - 14 (10.2%). Since the 2021 Census, the 25 to 34 age bracket has risen from 17.3% to 18.9% of the population, while the 55 to 64 bracket has decreased from 12.7% to 11.3%. Long-term projections indicate the age profile will change by 2041, with the 25 to 34 group projected to grow the most, rising by 33% or 327 residents to reach 1,305.
Frequently Asked Questions - Age
Data & MethodBoundaries, Sources & Method for North Gosford
9 of 14 data sections on this page were updated within the last 12 months — the newest current to Aug 2026.
Everything is aggregated to the Suburb (SAL) boundary shown above, on a 2021 Census baseline. Only 3 sections — housing, households and cultural diversity — still wait on the 2026 Census.
The ledger — source, cycle and currency by section
| Section | Source & update cycle | Currency |
|---|---|---|
| Updated within the last 12 months 9 sections | ||
| Population | ABS, GNAF, Geoscience Australia Annual (ABS ERP) | May 2026 3 months ago headline measures · 2021 Census baseline |
| Re-based to the ABS Estimated Resident Population (June 2025 release) and updated with new dwellings from GNAF address data. Current to May 2026, with the 2021 Census supplying the small-area baseline. | ||
| Age profile | ABS, Geoscience Australia, State governments Annual | May 2026 3 months ago headline measures · 2021 Census baseline |
| Age cohorts are re-based to the latest ABS population estimates and state projections, current to May 2026. Each cohort is held as a Census baseline and a current estimate. | ||
| Development & approvals | ABS, GNAF Monthly (ABS approvals) | Jun 2026 2 months ago headline measures · May 2026 baseline |
| Property sales & rents | Valuer General, Rental Board, ABS Weekly sales, quarterly rents | Aug 2026 this month all 21 measures |
| Sales from the state Valuer General register, refreshed weekly, and rents from quarterly rental bond lodgements. Both are read live each time this page loads, current to Aug 2026. | ||
| Infrastructure projects | Infrastructure Australia, State agencies, Local governments Daily | Jul 2026 last month all 3 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 Jul 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 — 169 validated new addresses here. The headline figure is therefore a current estimate for May 2026, not a 2021 count (3,986 at the 2021 Census → 5,173 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 (SAL13001). QuickStats reports 2021 only — the figures on this page are more current wherever the ledger shows a later date.