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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 San Remo (NSW) is $800k. House values have moved 4.5% 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
San Remo (NSW) has an estimated 4,626 residents, up from 4,434 at the 2021 Census — a change of 192 people, or 4.3%. Growth has averaged 0.6% a year over five years. That puts 2,029 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
Following an examination of official population updates for the wider region and fresh locations confirmed by AreaSearch subsequent to the Census, the suburb of San Remo (NSW) has a resident count projected at 4,626 in May 2026. This represents a gain of 192 individuals (4.3%) from the 2021 Census, which registered 4,434 residents. The estimate is drawn from a local population figure of 4,624 calculated by AreaSearch using the June 2025 demographic release from the ABS, supplemented by four new validated addresses recorded post-census. Such a population size translates to a density of 2,028 residents per square kilometer, outstripping the typical density across national locations analyzed by AreaSearch.
The 4.3% expansion rate in the suburb of San Remo (NSW) since the 2021 census was higher than the 3.4% rise in the SA4 region, as well as the SA3 area, positioning it as a local growth frontrunner. Natural increase was the primary catalyst, accounting for roughly 74.0% of the overall population rise in recent times. Projections from ABS and Geoscience Australia published in 2024 with a 2022 baseline are applied by AreaSearch to each SA2 region. In instances where SA2 zones lack this coverage, projections compiled by the NSW State Government in 2022 using a 2021 baseline are substituted. Anticipated growth rates across different age brackets from these summaries are projected forward for all locations from 2032 to 2041. Looking at long-term demographic shifts, expansion is expected to align with the lowest national quartile, with the suburb of San Remo (NSW) projected to add two individuals by 2041 based on collective SA2 forecasts, indicating that the total remained at the same percentage over the 16 years.
Frequently Asked Questions - Population
68 new dwellings have been approved in San Remo (NSW) over the past five years, an average of 13 a year. That is 3.0 approvals per 1,000 residents. Approvals are currently running at an annualised 8, 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 building data indicates that San Remo averages approximately 13 residential approvals annually, with a total of 68 dwellings approved during the five financial periods from FY-21 to FY-25, and eight approvals recorded in FY-26 so far. Over those five financial years between FY-21 and FY-25, new builds averaged an estimated cost of $338,000, and local demand remained steady with a historical average of two new occupants per dwelling per year. Commercial building approvals amounted to $53,000 for the current financial year, highlighting the predominantly residential character of the locality.
Per capita residential construction in San Remo is roughly three-quarters of the rate observed in Greater Sydney, placing the locality in the 40th percentile of all areas evaluated across Australia, which limits options for prospective purchasers and reinforces demand for existing stock. This construction rate is also lower than the national average, indicating a mature housing market and potential supply constraints. Detached houses constitute 78.0% of new construction approvals while townhouses or multi-unit buildings make up 22.0%, maintaining the suburban character of the area with a focus on spacious family homes. This represents a clear departure from the current housing stock, which is 96.0% detached, pointing to a scarcity of greenfield sites alongside shifting resident preferences and a need for varied, budget-friendly housing. With approximately 419 residents for every new approval, the local property market shows clear signs of maturity. Faced with static or decreasing demographic projections, housing demand in San Remo is likely to soften, creating advantageous conditions for prospective buyers.
Frequently Asked Questions - Development
Development applications around San Remo (NSW)
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| Lodged | Address | Description | Type | Distance | Status |
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SOURCE: Planning portals and council registers, compiled by AreaSearch. Distance & bearing measured from the suburb midpoint.
AreaSearch tracks 28 current infrastructure and development projects close to San Remo (NSW), worth an estimated $4.25 billion. 9 are already under construction and 11 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 projects, major planning decisions, and development initiatives are key drivers of regional performance. AreaSearch has identified a single project expected to influence this locality. Prominent regional initiatives include the Lake Munmorah Shopping Centre Expansion, the Waratah Super Battery, the Charmhaven Master-Planned Housing Community, and the Lake Haven Centre Redevelopment, with details provided on those most relevant to the area.
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
The Rise at Wyee
A boutique residential land estate of 50 premium DA-approved home sites with lots ranging from 321sqm to 1039sqm at 18 Gosford Road, Wyee. Releases 1 and 2 are sold out with further lots now selling. Construction has commenced with land registration expected in late 2026. The project offers affordable land in a family-friendly growth corridor on the Central Coast experiencing significant investment.
Charmhaven Master-Planned Housing Community
A master-planned housing community at Charmhaven on the NSW Central Coast, delivering up to 2,000 single-dwelling homes, 120 ha of protected environmental green space, a new school and business park.
Lake Munmorah Recreation Facility
A $3.81 million project to create a significant active precinct including an inclusive regional-sized playspace, a district-level skatepark and pump track, an upgraded access road and carpark, and supporting recreational infrastructure.
Madison Rise Estate
Madison Rise is a premium residential estate by Allam Property Group situated on elevated land in Woongarrah, Central Coast. The development features 177 turnkey homes with modern inclusions, located near Mackillop Catholic College, Warnervale train station, and the M1 Pacific Motorway. The final stage is scheduled for release in early 2026.
Gorokan Waterfront Masterplan & Foreshore Revitalisation
Council-led long term revitalisation of the Gorokan foreshore along Tuggerah Lake, delivering staged improvements including foreshore public domain upgrades, shared pathways, improved lake access, landscaping, recreation facilities and supporting aquatic infrastructure. The Wallarah Point Peace Park playspace has been completed as an early stage, while broader foreshore improvements continue to be delivered progressively through Council capital works and waterways programs.
Wyee Local Centre Expansion
The planning proposal (RZ/4/2024) to rezone 1.42 hectares of land from RU4 Primary Production to E1 Local Centre was approved by Lake Macquarie City Council in February 2025. This project facilitates the expansion of the existing Wyee local centre to accommodate a full-line supermarket, specialty retail stores, food and drink outlets, medical offices, and a childcare centre. It is a key part of the Wyee Structure Plan, designed to service a population expected to grow by 78% by 2041, and is anticipated to create approximately 285 local jobs.
Radcliffe Wyee
A large-scale residential subdivision offering approximately 730 new homes and land lots with open spaces, parklands, wildlife corridors, and recreational areas in a serene township setting midway between Gosford and Newcastle. Construction is ongoing, with civil works for stages continuing.
Wyong Village Redevelopment
Redevelopment of the former Wyong Village Caravan Park to create a new community with 675 apartments, including affordable and seniors housing, a new retail shopping complex, and 1.7 hectares of public parkland.
2,166 residents of San Remo (NSW) are employed, from a labour force of 2,314. Unemployment sits at 6.4%, with participation at 62.9%. Weighted for its industry mix, the area's sectors are forecast to grow about 6.3% nationally over five years. That reflects industry composition only and makes no allowance for local population growth. The working-day population is estimated at 3,535, about 76% 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
San Remo features a workforce distributed across manual and office-based roles, with the building sector showing exceptionally strong local representation, an unemployment rate of 6.4%, and an annual employment expansion estimated at 3.8% based on regional data aggregations. In March 2026, the working population stood at 2,166, with an unemployment rate 2.3% higher than the 4.1% recorded in Greater Sydney, and a participation rate of 62.9% that sits well below the Greater Sydney average of 69.1%. Census records indicate that a moderate 13.6% of the workforce operated from home, though this figure was likely influenced by pandemic containment measures.
The major employment fields for residents are healthcare and social assistance, retail trade, and construction. The construction sector represents a local specialization, employing workers at 1.6 times the regional rate. Conversely, professional and technical services account for only 2.6% of local employment, compared to 11.5% across Greater Sydney. The imbalance between the resident workforce and locally available positions suggests that this residential area offers limited local jobs. According to AreaSearch analysis of SALM and ABS data, aggregated from broader statistical areas, employment levels rose by 3.8% and the labour force grew by 3.7% during the year to March 2026, resulting in unemployment remaining relatively stable. In contrast, Greater Sydney experienced employment growth of 1.9%, labour force expansion of 1.9%, and a slight decline in unemployment. Jobs and Skills Australia's national employment forecasts from May-25 provide additional context on potential future demand within San Remo. These projections, which cover five and ten-year periods, have been overlaid onto the local employment profile to estimate growth trajectories. While national employment is projected to grow by 6.6% over five years and 13.7% over ten years, sector-specific growth rates vary considerably. When applied to San Remo's employment composition, these industry-specific forecasts indicate that local employment should rise by 6.3% over five years and 13.2% over ten years (please note this is a simple weighting extrapolation for illustrative purposes and does not take into account localised population projections).
Frequently Asked Questions - Employment
Median household income in San Remo (NSW) is $1,375 a week (about $72,000 a year), with median personal income at $658 a week. ATO records put median taxable income at $46,329 a year against an average of $53,030. 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
According to the latest ATO tax data for the 2023 financial year, taxpayers in San Remo earn a median income of $46,329 and an average income of $53,030. These figures are below the national average and compare to a median of $60,817 and an average of $83,003 in Greater Sydney. Factoring in a Wage Price Index increase of 10.32% since the 2023 financial year, estimated incomes as of March 2026 would be roughly $51,110 for the median and $58,503 for the average. Census data places household, family, and individual incomes in San Remo within the 20th to 26th national percentiles.
The largest income bracket is the 35.3% of households (representing 1,632 residents) earning $1,500 - 2,999 weekly, which aligns with regional trends where 30.9% of households fall into this bracket. Financial strain is evident, with only 79.9% of income remaining after housing costs, placing the area in the 21st percentile for affordability.
Frequently Asked Questions - Income
San Remo (NSW) had 1,572 occupied dwellings at the 2021 Census, 96% detached houses and 1% apartments. 39% are owned with a mortgage, 35% rented and 27% owned outright. At that Census the median rent was $380 a week and the median mortgage repayment $1,625 a month. Rent absorbs 27.6% of household income here and mortgage repayments 27.3%. 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 last Census, the housing mix in San Remo consisted of 96.4% detached houses and 3.6% other dwelling types like townhouses and apartments, compared to Greater Sydney where houses make up 55.9% and alternative dwellings account for 44.1%. Home ownership rates in San Remo stood at 26.7%, slightly below the metro average, with 38.7% of homes mortgaged and 34.7% occupied by tenants. The median monthly mortgage payment of $1,625 was considerably lower than the Sydney metro average of $2,427, while the median weekly rent was $380 compared to the metropolitan average of $470.
Locally, mortgage costs are lower than the Australian average of $1,863, whereas rental costs are slightly above the national median of $375.
Frequently Asked Questions - Housing
San Remo (NSW) counted 1,572 households at the 2021 Census, averaging 2.7 people each. 27% are couples with children, against 22% couples without children. 23% 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 73.0% of all households, consisting of couples with children at 26.7%, couples without children at 22.3%, and single-parent homes at 22.6%. The remaining 27.0% are non-family households, with single-person households accounting for 22.5% and group share houses making up 4.1%. The average household occupancy is 2.7 people, matching the metropolitan Sydney average.
Frequently Asked Questions - Households
7.7% of adults in San Remo (NSW) hold a university qualification, including 5.8% with a bachelor degree and 1.0% with postgraduate qualifications, lower than 92% of areas nationally. A further 35.1% hold a vocational qualification. 2 schools serve the area, with 1,125 enrolment places and an average ICSEA of 915 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 locality presents low rates of tertiary education, with 7.7% of residents holding a university degree compared to the Greater Sydney average of 38.0%. This highlights a clear gap and an opportunity for targeted learning programs. Bachelor degrees are the most common higher qualification at 5.8%, with postgraduate degrees at 1.0% and graduate diplomas at 0.9%. Vocational and technical skills are highly prevalent, with 43.0% of the population aged 15 and over possessing vocational qualifications, consisting of advanced diplomas at 7.9% and certificates at 35.1%. Enrolment rates are high, with 29.5% of the population engaged in formal study.
This student population includes 10.6% in primary schools, 8.7% in secondary schools, and 2.7% enrolled in higher education.
Frequently Asked Questions - Education
Schools Detail
Public transport in San Remo (NSW) reaches 25 stops on 33 routes, timetabled for about 900 services a week. The typical home sits about 210 m from its nearest stop. Buses carry the largest share of public transport commuters. Households keep an average of 1.5 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 the local transport network shows 25 active bus stops operating within San Remo. These stops service 33 distinct routes, which combine to provide 899 passenger trips each week. Transport connection is rated as good, with residents living an average of 207 meters from the nearest stop. Because the area is primarily residential, most workers commute to external employment zones, with private vehicles remaining the primary mode of travel for 96% of commuters. Household vehicle ownership averages 1.5 cars, which is higher than the regional average. Census data from 2021 shows that 13.6% of residents worked from home, which may reflect pandemic-era working conditions.
Bus routes average 128 trips daily across the network, which translates to roughly 35 passenger trips per week at each individual stop.
Frequently Asked Questions - Transport
Transport Stops Detail
59.7% of residents in San Remo (NSW) report no long-term health condition, a less healthy profile than 95% of areas nationally. 8.2% need daily assistance with core activities, and 48.0% hold private health cover. The standardised death rate runs at 7.8 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 statistics and the prevalence of chronic illnesses indicates major health concerns in San Remo, with various medical issues affecting both younger and older residents, while private health insurance uptake is low at roughly 48% of the population, representing approximately 2,218 individuals. This compares to a private coverage rate of 59.9% across Greater Sydney and a national average of 55.7%. Psychological conditions and asthma are the most common medical diagnoses, affecting 12.6% and 10.5% of the population, respectively, while 59.7% of residents reported having no chronic medical conditions compared to 74.6% in Greater Sydney.
Significant health challenges are present within the working-age population, marked by high rates of chronic disease. Residents aged 65 and older make up 14.1% of the population, representing 652 individuals, which is lower than the Greater Sydney level of 15.5%. Health outcomes for seniors show some difficulties, with national indicators generally matching those of the broader population.
Frequently Asked Questions - Health
San Remo (NSW) is largely Australian-born, at 91.3% of residents, with 3.3% speaking a language other than English at home. The largest reported ancestries are Australian (32.6%) and English (30.3%). 7.6% of residents identify as Aboriginal and/or Torres Strait Islander. Ancestry, language and country of birth are counted only by the Census, so these are 2021 figures.
Detail
Cultural diversity in San Remo is lower than average, with citizens making up 91.2% of the population, 91.3% of residents born in Australia, and 96.7% of households speaking only English. The primary religious affiliation is Christianity, accounting for 47.0% of residents. The most notable statistical variance is in the category of Other religions, which comprises 0.6% of the population compared to 1.4% across Greater Sydney. Regarding parental country of birth, the three most common ancestries in San Remo are Australian at 32.6% (compared to a regional average of 17.8%), English at 30.3% (compared to a regional average of 19.0%), and Australian Aboriginal at 7.6% (compared to a regional average of 1.3%).
There are also minor differences in other heritages, with New Zealand background at 1.0% (compared to 0.5% regionally), Maltese at 1.0% (matching 1.0% regionally), and Maori at 0.7% (compared to 0.4% regionally).
Frequently Asked Questions - Diversity
The median resident of San Remo (NSW) is 34, younger than 82% of areas nationally. 29.0% 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 of 34 in San Remo is slightly below the Greater Sydney average of 37 and lower than the national median of 38. Compared to the metro area, San Remo has a higher proportion of residents aged 55 - 64 (12.8%) but fewer residents aged 35 - 44 (11.6%). Since the 2021 Census, the 55 to 64 cohort grew from 11.5% to 12.8% of the population, while the 45 to 54 cohort declined from 13.8% to 12.0%. Demographic forecasts for 2041 point to significant changes, with the 85 and over cohort projected to grow by 98%, adding 81 residents to reach 165.
Residents aged 65 and over are expected to account for 92% of total population growth, reflecting an aging trend, while population declines are anticipated for the 35 to 44 and 55 to 64 brackets.
Frequently Asked Questions - Age
Data & MethodBoundaries, Sources & Method for San Remo (NSW)
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 — 4 validated new addresses here. The headline figure is therefore a current estimate for May 2026, not a 2021 count (4,434 at the 2021 Census → 4,626 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 (SAL13485). QuickStats reports 2021 only — the figures on this page are more current wherever the ledger shows a later date.