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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 Woolgoolga is $964k, with units at $781k. House values have moved 4.1% 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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Sales Detail
Woolgoolga has an estimated 6,809 residents, up from 6,151 at the 2021 Census — a change of 658 people, or 10.7%. Growth has averaged 2.8% a year over five years. 203 new addresses have been validated here since Census night. Overseas migration accounts for 63.0% of that increase. That puts 124 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
Based on analysis of ABS population updates for the broader area, and new addresses validated by AreaSearch since the Census the suburb of Woolgoolga's population is estimated at around 6,809 as of May 2026. This reflects an increase of 658 people (10.7%) since the 2021 Census, which reported a population of 6,151 people. The change is inferred from the resident population of 6,799, estimated by AreaSearch following examination of the latest ERP data release by the ABS (June 2025) and an additional 203 validated new addresses since the Census date.
This level of population equates to a density ratio of 124 persons per square kilometer, providing significant space per person and potential room for further development. The suburb of Woolgoolga's 10.7% growth since the 2021 census exceeded the SA3 area (3.7%), along with the SA4 region, marking it as a growth leader in the region. Population growth for the area was primarily driven by overseas migration that contributed approximately 63.0% of overall population gains during recent periods, although all drivers including natural growth and interstate migration were positive factors. Projections from ABS and Geoscience Australia released in 2024 with 2022 as the base year are utilized for each SA2 region. For SA2 territories where this information is unavailable, alternative projections from the NSW State Government released in 2022 with 2021 as the base year are incorporated. The growth trends across age categories derived from these data sources are applied from 2032 to 2041. Looking forward, the suburb of Woolgoolga is anticipated to experience expansion that outpaces the median for regional non-metropolitan zones, with an estimated rise of 1,463 residents by 2041 according to collective SA2 forecasts, representing a 21.3% growth over the 16 years.
Frequently Asked Questions - Population
163 new dwellings have been approved in Woolgoolga over the past five years, an average of 32 a year. That places the area in the 80th percentile for residential development activity nationally, about 5 approvals per 1,000 residents a year. Of the 25 dwellings approved in the latest reporting year, 88% were detached houses and the rest townhouses or apartments. Approvals are currently running at an annualised 53, running ahead of 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
According to building approval figures compiled from localized statistical data, around 32 residential dwellings receive approval in Woolgoolga each year. This is reflected in the 163 homes approved during the past 5 financial years (between FY-21 and FY-25), with 49 approvals recorded during the current FY-26 period. Historically, 5.4 new residents have moved to the area for each constructed dwelling over the past 5 financial years (between FY-21 and FY-25). This suggests that construction is failing to keep pace with demand, which typically intensifies buyer competition and drives upward pressure on prices.
Newly approved dwellings carry an average construction value of $695,000, suggesting a developer focus on high-end, premium builds. Meanwhile, commercial building approvals have reached $10.1 million this financial year, representing a moderate volume of non-residential development. In comparison to the Rest of NSW, building approval volumes on a per capita basis in Woolgoolga are 25.0% above the regional average over the 5 year period, offering buyers a healthy selection of properties while underpinning current valuations. Of the new residential approvals, 88.0% are detached dwellings and 12.0% are attached dwellings, which maintains the low-density character of the area and caters to purchasers seeking spacious housing. Reflecting its status as an expanding hub, the area registers approximately 207 residents for every approved dwelling. Long-term outlooks suggest the suburb of Woolgoolga will add 1,453 residents by 2041, based on the latest quarterly calculations. If building activity remains at its current levels, the supply of new housing could fall short of demographic growth, which is likely to escalate competition among buyers and support property appreciation.
Frequently Asked Questions - Development
Development applications around Woolgoolga
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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 7 current infrastructure and development projects inside Woolgoolga, worth an estimated $569 million. A further 30 sit in the immediately surrounding suburbs, taking the tracked pipeline within reach of the area to $4.78 billion. 12 are already under construction and 11 are due for completion within three years. The pipeline spans residential development, sports & recreation and communities, precincts & urban renewal. 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, planning choices, and development works play a key role in shaping local market performance. A total of 10 relevant projects have been identified by AreaSearch within the area. Notable projects include the Plantations by Ingenia Lifestyle Extension, the Woolgoolga North West and West Growth Plans, the Woolgoolga Town Centre Masterplan, and the residential development at 34 Trafalgar Street.
Professional plan users can use the search below to filter and access additional projects.
INFRASTRUCTURE SEARCH
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Frequently Asked Questions - Infrastructure
Plantations by Ingenia Lifestyle Extension
Expansion of the existing Plantations by Ingenia Lifestyle land lease community in Woolgoolga delivering approximately 178-180 new homes for over 55s together with a second clubhouse, wellness facilities, community spaces and associated road infrastructure. Construction officially commenced in February 2026 following development approval.
Woolgoolga North West and West Growth Plans
A major rezoning and development program delivering approximately 1,130 new homes across three large growth precincts in Woolgoolga - Newmans Road (Swell), Barkhut Road, and Tramway Drive. Local planning controls took effect from 1 February 2024. Clarence Property has commenced construction at Swell Woolgoolga (Newmans Road precinct), a $130 million masterplanned community of over 210 homesites. The Bark Hut Road precinct has lodged development applications for staged residential subdivision. The plans also include open space, infrastructure contributions, and streetscape upgrades aligned with the Woolgoolga Movement and Place Plan.
Woolgoolga Town Centre Masterplan
A vision and strategic planning framework adopted by Coffs Harbour City Council in February 2018 to guide growth and change in Woolgoolga's town centre to 2036. Comprising three parts - a Town Centre Framework, Precincts and Implementation Plan, and Supporting Information - the Masterplan outlines over 24 actions spanning immediate to long-term timeframes. New local planning controls stemming from the Masterplan came into effect in February 2024, alongside an approved Woolgoolga Movement and Place Plan addressing transport, streetscape improvements and road networks around the beachside town centre.
34 Trafalgar Street Residential Flat Building
Demolition of existing dwelling, construction of a 5-storey residential flat building containing 10 luxury apartments, and strata subdivision.
Woolgoolga Whale Trail Project
Upgrade of the walkway between Woolgoolga Beach Reserve and the Solitary Islands Coastal Walk, including new 1.8m-wide pathway, elevated boardwalks, formalised parking with accessible bays, kerb works, added seating and ocean lookouts. Project completed June 2024.
Wiigulga Sports Complex
A $28.8 million world-class sports facility featuring a competition pool, warm-up pool, learn-to-swim pool, gymnasium, fitness centre, and community spaces. Serves as a regional aquatic and fitness hub with modern facilities.
Woolgoolga Beach Reserve Project
Stage 1 completed in 2021 with improvements including a new playground, amenities building with Changing Places facility, pathways, picnic tables, shelters, and fencing. Stage 2 is proposed for 2026/27 and will include new pathways, a viewing deck, showers, seating, picnic facilities, and other amenities in accordance with the Detailed Concept Plan.
Seacrest Estate
A residential estate offering land and house & land packages, designed for a relaxed coastal lifestyle. Stage 3 is completed and nearly sold out, with Stage 4 now released due to high demand.
2,933 residents of Woolgoolga are employed, from a labour force of 3,034. Unemployment sits at 3.3%, with participation at 52.6%. Weighted for its industry mix, the area's sectors are forecast to grow about 5.8% nationally over five years. That reflects industry composition only and makes no allowance for local population growth. The working-day population is estimated at 5,590, about 82% of the resident population, so more people leave the area for work than travel in. Unemployment and labour force come from ABS Small Area Labour Markets, updated quarterly; the industry and occupation profile is from the 2021 Census.
Detail
The local workforce is characterized by diverse industry representation and solid skill levels, featuring a low unemployment rate of 3.3% alongside an estimated job growth rate of 2.1% over the past year. As of March 2026, the employed resident count stands at 2,933. The jobless rate is 0.8% lower than the Regional NSW average of 4.1%, whereas the participation rate of 52.6% falls well below the Regional NSW average of 60.6%. Census records indicate that only 9.4% of the working population worked from home, though this figure may have been influenced by lockdown restrictions.
The primary sectors employing local residents are agriculture, forestry & fishing, health care & social assistance, and construction. Notably, agricultural, forestry, and fishing employment is highly concentrated here, running at 4.2 times the regional benchmark. Conversely, manufacturing is underrepresented, employing only 1.7% of the workforce compared to the Regional NSW average of 5.8%. Comparing the volume of local jobs to the size of the resident workforce suggests that local employment opportunities are relatively constrained. Analysis of statistical area datasets from March 2026 indicates that local employment expanded by 2.1% while the labour force grew by 1.6% over the preceding 12 months, resulting in a 0.5 percentage point drop in the unemployment rate. This trend contrasted with Regional NSW, where employment fell by 0.9%, the labour force contracted by 0.4%, and the unemployment rate rose by 0.5 percentage points. Future local demand patterns can be contextualized using national projections from May-25. Although nationwide employment is projected to grow by 6.6% over five years and 13.7% over ten years, the rates of change vary significantly across different sectors. Applying these industry-specific growth expectations directly to the local workforce structure indicates that employment within the area could grow by 5.8% over five years and 12.5% over ten years.
Frequently Asked Questions - Employment
Median household income in Woolgoolga is $1,190 a week (about $62,000 a year), with median personal income at $636 a week. ATO records put median taxable income at $40,892 a year against an average of $50,308. 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
Postcode data from the ATO for financial year 2023 indicates that local incomes are lower than national averages, with a median of $40,892 and an average of $50,308. These figures compare to a median of $52,390 and an average of $65,215 across Regional NSW. Adjusting these values for a 10.32% rise in the Wage Price Index since financial year 2023 yields estimated current figures of approximately $45,112 for the median and $55,500 for the average as of March 2026. Census statistics from 2021 place personal, family, and household incomes in the area within the 12th to 16th percentiles nationwide.
The local earning distribution shows that 27.5% of residents (1,872 individuals) earn between $400 - 799, whereas the broader region is dominated by the $1,500 - 2,999 bracket at 29.9%. Affordability pressures are high, leaving residents with only 83.0% of their income after housing costs, which sits in the 13th percentile nationally.
Frequently Asked Questions - Income
Woolgoolga had 2,325 occupied dwellings at the 2021 Census, 83% detached houses and 3% apartments. 23% are owned with a mortgage, 30% rented and 47% owned outright. At that Census the median rent was $360 a week and the median mortgage repayment $1,733 a month. Rent absorbs 30.3% of household income here and mortgage repayments 33.6%. 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 local housing stock consisted of 82.8% freestanding houses and 17.2% alternative housing types, such as apartments and semi-detached properties, compared to Regional NSW averages of 82.6% and 17.4% respectively. Home ownership was common, with 46.5% of dwellings owned outright, while 23.3% were mortgaged and 30.2% were rented. The median monthly mortgage payment of $1,733 matched the Regional NSW benchmark, whereas the median weekly rent of $360 was higher than the Regional NSW average of $330. When compared nationally, mortgage payments are below the Australian median of $1,863, and weekly rents are lower than the national median of $375.
Frequently Asked Questions - Housing
Woolgoolga counted 2,325 households at the 2021 Census, an estimated 2,574 today, averaging 2.4 people each. 24% are couples with children, against 29% couples without children. 30% 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
Family households represent 65.0% of the local dwelling occupancy, consisting of couples with children at 24.2%, couples without children at 28.8%, and single parent households at 11.6%. The remaining 35.0% consists of non-family households, which are divided into single person households at 29.9% and group living situations at 5.0%. The median household occupancy is 2.4 people, matching the average across Regional NSW.
Frequently Asked Questions - Households
19.9% of adults in Woolgoolga hold a university qualification, including 14.2% with a bachelor degree and 3.4% with postgraduate qualifications. A further 24.7% hold a vocational qualification. 3 schools serve the area, with 1,490 enrolment places and an average ICSEA of 1,000 against a national benchmark of 1,000. Qualifications come from the 2021 Census; school enrolments, ICSEA and results come from ACARA's current release.
Detail
Educational profiles indicate that university graduation rates are relatively low, with 19.9% of residents holding a tertiary degree compared to the NSW benchmark of 32.2%. This gap presents an opportunity for targeted learning programs. Bachelor degrees are the most common higher qualification at 14.2%, followed by postgraduate degrees at 3.4% and graduate diplomas at 2.3%. Vocational and technical training is highly represented, with 36.9% of residents aged 15+ possessing vocational qualifications, consisting of advanced diplomas at 12.2% and certificates at 24.7%. A significant portion of the population is engaged in formal study, totaling 24.8%.
This student cohort is comprised of 9.0% in primary schooling, 6.4% in secondary schooling, and 2.6% enrolled in tertiary courses.
Frequently Asked Questions - Education
Schools Detail
Public transport in Woolgoolga reaches 92 stops on 36 routes, timetabled for about 350 services a week. The typical home sits about 190 m from its nearest stop. Households keep an average of 1.3 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 services in the suburb of Woolgoolga include 92 active stops, which are serviced by a combination of bus routes. A total of 36 distinct routes operate across these stops, offering 352 passenger trips each week. Transport accessibility is high, with the average distance to a stop measuring 188 meters. Commuting patterns reflect the residential nature of the area, with 93% of workers travelling by car and 5% walking. Vehicle ownership is lower than the regional average, at 1.3 cars per household. A small proportion of residents work from home, at 9.4% according to the 2021 Census, which may have been influenced by pandemic conditions.
Across all transit routes, service frequency averages 50 trips per day, which translates to approximately 3 weekly passenger departures for each transit stop.
Frequently Asked Questions - Transport
Transport Stops Detail
63.6% of residents in Woolgoolga report no long-term health condition. 7.2% need daily assistance with core activities, and 46.9% 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
Health assessments indicate notable challenges within the community based on mortality data and the prevalence of chronic illnesses across multiple age groups. Private health insurance coverage is low, with approximately 47% of residents (~3,193 people) holding cover. This compares to a coverage rate of 51.9% in Regional NSW and a nationwide average of 55.7%. The most prevalent health issues locally are arthritis and mental health challenges, affecting 11.6% and 8.6% of residents respectively. Conversely, 63.6% of the population reported no long-term health conditions, which is comparable to the 63.3% rate recorded across Regional NSW.
Working-age residents experience higher than average rates of chronic illness. The suburb of Woolgoolga has a high concentration of seniors, with 29.0% of the population aged 65 and over (1,974 people) compared to 23.4% regionally. The health profiles of these older residents match national averages for their age cohort.
Frequently Asked Questions - Health
25.5% of Woolgoolga residents were born overseas and 23.8% speak a language other than English at home. The largest reported ancestries are English (29.2%) and Australian (23.4%). 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
Cultural diversity is high compared to most regional locations, with 25.5% of residents born outside Australia and 23.8% using a language other than English at home. Christianity is the most common religious affiliation, representing 40.1% of the population. A key demographic feature is the overrepresentation of the Other religious category, which accounts for 19.1% of residents compared to a Regional NSW average of 0.8%. In terms of parent country of birth, the main ancestries represented are English at 29.2% and Australian at 23.4%, which is lower than the regional average of 30.0%.
The Other ancestry category is highly represented at 12.6%, well above the regional average of 4.8%. Other notable ethnic groups include Indian at 6.9% of the population (compared to 0.6% regionally), Australian Aboriginal at 3.4% (compared to 4.6% regionally), and French at 0.5% (compared to 0.4% regionally).
Frequently Asked Questions - Diversity
The median resident of Woolgoolga is 45, older than 80% of areas nationally. 21.6% 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 the suburb of Woolgoolga is 45 years, which is higher than the Regional NSW median of 43 and the national average of 38. The 65 - 74 age bracket is highly represented at 15.3% of the local population compared to the national average of 9.4%, while the 15 - 24 age bracket is underrepresented at 9.2%. Since 2021, the 75 to 84 cohort has increased from 7.9% to 9.7%, and the 35 to 44 cohort has grown from 11.4% to 13.1%. In contrast, the 55 to 64 group declined from 13.2% to 11.0%, and the 25 to 34 group fell from 13.6% to 12.4%.
Long-term projections indicate that by 2041, the 85+ cohort is expected to increase by 319 people (117%) from 272 to 592, while the 65 to 74 age group is projected to decrease by 5.
Frequently Asked Questions - Age
Data & MethodBoundaries, Sources & Method for Woolgoolga
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 | Jun 2026 2 months ago all 7 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 Jun 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 — 203 validated new addresses here. The headline figure is therefore a current estimate for May 2026, not a 2021 count (6,151 at the 2021 Census → 6,809 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 (SAL14420). QuickStats reports 2021 only — the figures on this page are more current wherever the ledger shows a later date.