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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 Ruse is $995k. House values have moved 6.1% 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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Ruse has an estimated 5,718 residents, up from 5,632 at the 2021 Census — a change of 86 people, or 1.5%. That puts 2,199 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 investigations of ABS demographic statistics for the surrounding region, combined with recent address tracking from AreaSearch since the Census, the suburb of Ruse has an estimated population of approximately 5,718 as of May 2026. This represents an addition of 86 residents (1.5%) relative to the 2021 Census, which counted 5,632 individuals. This adjustment is derived from a resident headcount of 5,712, calculated by AreaSearch using the June 2025 ERP release from the ABS alongside 3 validated new addresses registered after the Census. This population level translates to a density of 2,199 residents per square kilometer, exceeding the typical figure for locations analyzed by AreaSearch nationwide.
Net gains in the local population were driven chiefly by overseas arrivals, which accounted for approximately 53.0% of the overall growth during recent timeframes. Projections developed by the ABS and Geoscience Australia, issued in 2024 using 2022 as the baseline, have been adopted by AreaSearch for each SA2 division. Where these are unavailable, SA2 projections from the NSW State Government's 2022 release with a 2021 baseline are applied. Demographic growth rates by age bracket from these files are also used to project local figures from 2032 to 2041. Future demographic trajectories point to growth in the lowest quartile of national statistical regions, with the suburb of Ruse projected to add 186 residents by 2041 under aggregated SA2 models, marking a 3.1% overall expansion over the 16 years.
Frequently Asked Questions - Population
Detail
Evaluation of ABS building permit statistics allocated from regional datasets reveals that the suburb of Ruse has experienced almost no new residential development lately, with an estimated 4 dwellings approved across the 5 financial years spanning FY-21 to FY-25, and 2 recorded during the current FY-26 period. Given a ratio of 5.2 new inhabitants per annum for each finished dwelling over those 5 financial years from FY-21 to FY-25, local demand outstrips supply, which generally drives up prices and intensifies buyer rivalry, with new residential structures averaging a construction cost of $310,000 in line with wider regional norms.
Additionally, commercial approvals totaled $14,000 this financial year, indicating a heavy emphasis on residential properties. Residential building output in the suburb of Ruse is substantially lower than that of Greater Sydney. This undersupply of fresh housing typically bolsters the valuation of existing properties, although building approvals have picked up recently. The volume also falls short of the national average, pointing to the suburb's established nature and prospective planning constraints. Recent approvals consist entirely of detached houses, preserving the classic low-density suburban landscape suited for families wanting space. There are approximately 5696 residents for each dwelling approval, highlighting a mature property market.
Frequently Asked Questions - Development
Development applications around Ruse
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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 46 current infrastructure and development projects close to Ruse, worth an estimated $24.7 billion. 12 are already under construction and 15 are due for completion within three years. The pipeline spans communities, precincts & urban renewal, residential development and sports & recreation. 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, major planning developments, and council policies exert a strong influence on real estate performance. AreaSearch has tracked 4 significant projects expected to influence the local area. Principal works comprise the Campbelltown Sport and Health Centre of Excellence, Smiths Creek Reserve Trail Improvements, Airds-Bradbury Renewal Project, and Appin (Part) Precinct - Future Appin Communities, with details provided on those of highest relevance.
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
Campbelltown Sport and Health Centre of Excellence
A 33 million dollar integrated high-performance training and community health facility at the Campbelltown Sports Precinct. Developed in partnership with Western Sydney University, Wests Tigers, and Macarthur FC, it serves as a hub for sports science, elite athlete development, and community health services. The facility includes a public gymnasium, aquatic recovery zones, specialist medical tenancies, and multipurpose education spaces. It also functions as a clinical placement site for university students in medicine, nursing, and sports science.
Newbrook Shopping Village Redevelopment
Proposed redevelopment of the existing 15,600 sqm Newbrook Shopping Village (formerly Airds Village) into a modern neighbourhood hub. As of late 2025, the site was offered for sale via EOI to capitalise on value-add repositioning plans, including a new 3,230 sqm supermarket and a DA-approved childcare facility for 43 places. The project is a central component of the Newbrook masterplanned community, which is delivering 2,100 new dwellings by late 2026. Current surrounding works include the Towner Avenue extension and the realignment of Riverside Drive to improve precinct connectivity.
Queen Sq Campbelltown
Approved mixed-use urban renewal precinct by ALAND on the former Brands on Sale site at the northern gateway to Campbelltown CBD. The project is planned to deliver 558 apartments across five towers, ground-floor retail and commercial space, dining uses, open parkland, pedestrian links, community facilities and basement parking. Official project material now markets Queen Sq as coming in 2026 and identifies the development as a 500 million dollar residential, retail and commercial precinct.
Airds-Bradbury Renewal Project
Urban renewal of the Airds-Bradbury public housing estate into a mixed community of around 2,100 homes (up to 30% social housing), upgrades to Kevin Wheatley VC Memorial Playing Fields and local open space, seniors housing close to parks and services, and supporting streets and utilities. The NSW Government fast-tracked $75m in 2020-21; overall delivery continues in stages toward 2030.
Macarthur Gardens North
Sustainable mixed-use neighbourhood development by Landcom featuring 1,250-1,625 homes including apartments in 9-24 storey buildings, at least 10% affordable rental housing, station arrival plaza, central park, fitness park, pedestrian walkways, shared cycle paths, and preservation of over seven hectares of native bushland. Enhanced transport connectivity to Macarthur Station, Western Sydney University, and TAFE NSW, with 5 Star Green Star certification.
Macarthur Heights
Macarthur Heights is a vibrant urban community in southwest Sydney, developed by Landcom in partnership with Western Sydney University. It includes 966 residential lots for approximately 2,460 residents, surrounded by 42 hectares of parklands and connected to education, employment, and recreation amenities. Sales completed in 2022, with ongoing construction of sportsfields, amenities building, and open spaces expected to conclude by 2028.
Leumeah Youth Precinct
The Leumeah Youth Precinct is a youth-focused recreation hub under construction at Hollylea Road, Leumeah. The project will deliver a new multipurpose court, parkour and boulder wall elements, an upgraded skate park surface, public art, and improved park amenities including shade structures, picnic areas, BBQ facilities and seating. The precinct is funded through the NSW Government's Western Sydney Infrastructure Grants Program (formerly WestInvest), with additional co-contribution funding and in-kind services from Campbelltown City Council. Construction is underway and expected to be completed by early 2027.
Gordon Fetterplace Aquatic Centre Upgrades
Upgrade of the Gordon Fetterplace Aquatic Centre including an extension to the grandstand with additional seating, new shade structures, renovation and modernization of the cafe, and associated facility improvements. Construction commenced in July 2026 and is funded through the NSW Government Western Sydney Infrastructure Grants Program.
3,039 residents of Ruse are employed, from a labour force of 3,173. Unemployment sits at 4.2%, with participation at 69.5%. Weighted for its industry mix, the area's sectors are forecast to grow about 6.1% nationally over five years. That reflects industry composition only and makes no allowance for local population growth. The working-day population is estimated at 4,226, about 74% 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 Ruse features a mixed labor market comprising both office and manual workers, with solid representation in essential services, an unemployment rate of 4.2%, and an estimated 7.3% expansion in employment over the prior year, based on AreaSearch statistical compilations. In March 2026, working residents numbered 3,039, with unemployment matching the Greater Sydney benchmark of 4.1%, and labor force participation aligning with the Greater Sydney average of 69.1%. Census responses indicate that a high 29.8% of the workforce operated from home, though this may reflect temporary pandemic restrictions.
Local employment is largely centered in health care & social assistance, construction, and retail trade. The suburb of Ruse exhibits a strong concentration in transport, postal & warehousing, where the local employment proportion is 1.7 times the metropolitan average. Conversely, professional & technical roles are underrepresented, accounting for 3.6% of local jobs compared to 11.5% across the wider region. The highly residential nature of the suburb means local job availability is relatively restricted, as shown by comparing local workforce numbers with resident workers. Based on AreaSearch analysis of SALM and ABS statistics aggregated from regional levels, during the 12 months ending March 2026, employment grew by 7.3% and the total labor force grew by 7.7%, leading to a rise in unemployment of 0.4 percentage points. In contrast, Greater Sydney saw employment and labor force growth of 1.9% and 1.9% respectively, while its unemployment rate shrank slightly. Federal employment forecasts from May-25 compiled by Jobs and Skills Australia provide further context regarding prospective labor needs in the suburb of Ruse. These five and ten-year projections have been applied to the local workforce mix to model future trajectories. While aggregate national employment is projected to grow by 6.6% over five years and 13.7% over ten years, the rates of change vary by sector. Projecting these industry trends onto the local workforce suggests employment for the suburb of Ruse could rise by 6.1% over five years and 12.9% over ten years, based on simple industry weighting without local population adjustments.
Frequently Asked Questions - Employment
Median household income in Ruse is $1,797 a week (about $93,000 a year), with median personal income at $759 a week. ATO records put median taxable income at $53,783 a year against an average of $61,691. 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
AreaSearch evaluations of postcode-level ATO data for the 2023 financial year show that the suburb of Ruse had a median taxpayer income of $53,783, with the average income recorded at $61,691. These figures sit below the national average and compare with median and average marks of $60,817 and $83,003 in Greater Sydney. Factoring in Wage Price Index growth of 10.32% since the 2023 financial year, current local estimates are approximately $59,333 for the median and $68,058 for the average as of March 2026. Census files show household, family, and individual incomes are moderate, placing in the 40th to 52nd percentiles.
In terms of income distribution, the largest cohort is the $1,500 - 2,999 range with 37.7% of residents (2,155 people), similar to the metropolitan average of 30.9%. Residential costs consume 16.1% of income, though post-expense earnings place net disposable income at the 53rd percentile.
Frequently Asked Questions - Income
Ruse had 1,926 occupied dwellings at the 2021 Census, 97% detached houses and 1% apartments. 45% are owned with a mortgage, 20% rented and 35% owned outright. At that Census the median rent was $410 a week and the median mortgage repayment $2,000 a month. Rent absorbs 22.8% of household income here and mortgage repayments 25.7%. Dwelling stock, tenure and housing costs are 2021 Census measures — the only source that counts dwellings at this boundary size.
Detail
Dwelling classifications in the suburb of Ruse at the time of the latest Census consisted of 97.0% detached houses and 3.0% alternative housing forms like semi-detached properties, units, or other dwellings, compared to the Sydney metropolitan split of 55.9% houses and 44.1% other dwellings. Home ownership rates in the suburb of Ruse were notably higher than the metropolitan average at 34.9%, with remaining residences being purchased under a mortgage (45.2%) or occupied by tenants (19.8%). The median monthly home loan payment was $2,000, well below the Sydney metropolitan average of $2,427, while the median weekly rent was $410 compared to the metropolitan median of $470.
On a national level, mortgage costs in the suburb of Ruse exceed the Australian median of $1,863, and weekly rents are above the national median of $375.
Frequently Asked Questions - Housing
Ruse counted 1,926 households at the 2021 Census, averaging 2.8 people each. 37% are couples with children, against 27% couples without children. 18% of households are people living alone, and families average 1.8 children. Household and family composition is measured only by the Census, so these are 2021 figures.
Detail
Families make up the vast majority of households at 80.2%, which is composed of couples with offspring at 36.9%, couples without offspring at 27.2%, and single parents with children at 14.5%. Non-family living arrangements account for the remaining 19.8%, consisting of sole occupants at 18.0% and group households at 1.7%. The median household size of 2.8 individuals is slightly larger than the Greater Sydney average of 2.7.
Frequently Asked Questions - Households
15.0% of adults in Ruse hold a university qualification, including 10.3% with a bachelor degree and 3.3% with postgraduate qualifications. A further 28.9% hold a vocational qualification. 1 school serves the area, with 475 enrolment places and an average ICSEA of 976 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
Local education profiles show lower tertiary attainment, with university graduation rates at 15.0% compared to the Greater Sydney average of 38.0%. This highlights a potential area for targeted educational programs. Bachelor degrees are held by 10.3% of residents, followed by postgraduate degrees at 3.3% and graduate diplomas at 1.4%. Practical and technical qualifications are highly prevalent, with 39.7% of residents aged 15+ possessing vocational qualifications, consisting of advanced diplomas at 10.8% and certificates at 28.9%. Enrollment rates are high, with 27.4% of the population participating in formal study. This comprises 10.0% of residents in primary schooling, 8.0% in secondary schooling, and 3.3% engaged in higher education.
Frequently Asked Questions - Education
Schools Detail
Public transport in Ruse reaches 31 stops on 11 routes, timetabled for about 390 services a week. The typical home sits about 180 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
Analysis of transit options shows 31 active bus stops operating in the suburb of Ruse. These stops accommodate 11 distinct routes, delivering a combined 392 passenger services weekly. Accessibility is highly rated, with residents living an average of 177 meters from the nearest stop. Due to the residential layout, commuters mostly travel out of the suburb, with private vehicles being the primary mode at 90%. Households own an average of 1.6 cars, which is above the metropolitan average. A high 29.8% of residents worked from home, based on 2021 Census records which may reflect pandemic-era arrangements.
Services run at an average frequency of 56 daily trips across the transit network, translating to approximately 12 departures per week at each individual stop.
Frequently Asked Questions - Transport
Transport Stops Detail
65.1% of residents in Ruse report no long-term health condition. 6.0% need daily assistance with core activities, and 51.4% 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 outcomes in the suburb of Ruse lean below the average, based on AreaSearch assessment of local death rates and chronic illness statistics, with general health conditions being relatively standard but elevated among older demographics, and private medical insurance ownership sitting low at approximately 51% of the population (~2,936 people), compared to 59.9% across Greater Sydney. Arthritis and asthma are the most common medical diagnoses, affecting 9.8% and 9.1% of residents respectively, while 65.1% of the population reported no chronic health issues compared to 74.6% across Greater Sydney. Working-age residents experience higher than average rates of chronic conditions.
Residents aged 65 and over make up 19.4% of the population (1,109 people), which is higher than the 15.5% share in Greater Sydney. Senior health outcomes present challenges, though they rank more favorably on a national scale than the broader local community.
Frequently Asked Questions - Health
Ruse is largely Australian-born, at 76.6% of residents, with 18.5% speaking a language other than English at home. The largest reported ancestries are Australian (26.8%) and English (24.1%). 3.4% 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
The suburb of Ruse has an above-average level of cultural diversity, with 23.4% of residents born outside Australia and 18.5% speaking a non-English language at home. Christianity is the primary religion, followed by 59.7% of the population. The most prominent statistical deviation is in Islam, which is followed by 6.7% of residents, matching closely with the Greater Sydney share of 6.8%. Regarding parental country of birth, the three largest ancestries are Australian at 26.8% of the population (exceeding the regional average of 17.8%), English at 24.1% (exceeding the regional average of 19.0%), and Other at 11.9%.
Notable variations in other backgrounds include Samoan heritage at 1.6% of the population (compared to 0.5% regionally), Lebanese heritage at 1.9% (compared to 2.6%), and Hungarian heritage at 0.4% (compared to 0.3%).
Frequently Asked Questions - Diversity
The median resident of Ruse is 38. 25.1% of residents are aged 15 to 34. Age cohorts are not raw Census counts: the Census split is re-based to the latest ABS population estimates and state projections.
Detail
The median age of 38 in the suburb of Ruse is comparable to the Greater Sydney average of 37 and matches the national median of 38. Compared to the metropolitan area, the suburb of Ruse has a higher proportion of residents aged 65 - 74 (11.9%) but a smaller proportion aged 25 - 34 (12.5%). Since the 2021 Census, the 75 to 84 bracket expanded from 4.2% to 6.1%, while the 65 to 74 cohort shrank from 13.1% to 11.9% and the 55 to 64 bracket fell from 10.7% to 9.6%.
By 2041, significant changes in age distributions are anticipated, led by a 149% increase in the 85+ cohort (adding 118 people) to reach 199 from 80, while the cohorts aged 5 to 14 and 0 to 4 are expected to shrink.
Frequently Asked Questions - Age
Data & MethodBoundaries, Sources & Method for Ruse
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 — 3 validated new addresses here. The headline figure is therefore a current estimate for May 2026, not a 2021 count (5,632 at the 2021 Census → 5,718 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 (SAL13458). QuickStats reports 2021 only — the figures on this page are more current wherever the ledger shows a later date.