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This analysis uses ABS Statistical Areas Level 2 (SA2) boundaries, which can materially differ from Suburbs and Localities (SAL) even when sharing similar names.
SA2 boundaries are defined by the Australian Bureau of Statistics and are designed to represent communities for statistical reporting (e.g., census and ERP).
Suburbs and Localities (SAL) represent commonly-used suburb/locality names (postal-style areas) and may use different geographic boundaries. For comprehensive analysis, consider reviewing both boundary types if available.
est. as @ -- *
ABS ERP | -- people | --
2021 Census | -- people
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Euroa has an estimated 6,928 residents. 135 new addresses have been validated here since Census night. Fewer than ten people live on each square kilometre, across a boundary that takes in surrounding rural land. 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 research conducted by AreaSearch, the resident count of Euroa stands at approximately 6,928 as of Aug 2026. This indicates a net gain of 6 people (0.1%) compared to the 6,922 people tallied during the 2021 Census. This adjustment is derived from the ABS estimated resident population of 6,880 recorded as of June 2025 alongside an additional 135 validated new addresses documented following the Census date. Such a headcount translates to a spatial density of 3.4 persons per square kilometer, ensuring considerable room per resident. Inward interstate migration served as the primary catalyst for demographic expansion, generating roughly 63.1% of overall population gains across recent periods.
Projections published jointly by the ABS and Geoscience Australia in 2024, utilising 2022 as the base year, have been adopted by AreaSearch for each SA2 region. For locations lacking this coverage, AreaSearch incorporates the VIC State Government's Regional/LGA projections issued in 2023, applying a weighted aggregation methodology to translate LGA trends down to SA2 boundaries. Age cohort growth rates derived from these aggregated series are likewise utilised across all localities for the years 2032 to 2041. Over the outlook horizon, extraordinary demographic expansion placing the district within the top 10 percent of non-metropolitan locations is anticipated, with projections indicating an addition of 3,025 persons to 2041 using current annual ERP benchmarks, representing a 43.0% cumulative rise over the 16 years.
Frequently Asked Questions - Population
158 new dwellings have been approved in Euroa over the past five years, an average of 31 a year. That is 4.6 approvals per 1,000 residents. Of the 32 dwellings approved in the latest reporting year, 94% were detached houses and the rest townhouses or apartments. Figures come from ABS building approvals aggregated to this SA2 boundary and are updated monthly as the ABS releases them.
Detail
Residential building approvals in Euroa have averaged roughly 31 dwellings annually, accumulating to 158 homes across the preceding 5 financial years. With an inflow rate of merely 0.7 new residents per year per newly approved residence throughout the past 5 financial years (between FY-22 and FY-26), construction activity matches or surpasses underlying demand, creating expanded buyer choices and supporting population expansion potentially exceeding anticipated levels, while newly constructed dwellings reflect an average value of $449,000. Furthermore, $7.5 million in commercial building authorisations have been recorded during this financial year, underscoring the predominantly residential orientation of the locality.
Per-capita construction volumes in Euroa reach approximately 56% of the rate seen in Rest of Vic., situating the area in the 61st percentile nationwide. An examination of newly sanctioned building projects indicates that 94.0% consist of detached houses while 6.0% comprise medium and high-density housing, preserving the district's established low-density setting with an emphasis on family residences that cater to space-seeking buyers. A figure of around 234 people per dwelling approval further demonstrates the low-density nature of the market. Looking forward, the population of Euroa is projected to increase by 2,977 residents through to 2041 (derived from the most recent AreaSearch quarterly estimate). Should the prevailing pace of residential construction persist, dwelling additions could fall behind population growth, which may heighten buyer competition and reinforce upward pressure on local home prices.
Frequently Asked Questions - Development
Development applications around Euroa
SOURCE: Planning portals and council registers, compiled by AreaSearch. Distance & bearing measured from the suburb midpoint.
AreaSearch tracks 2 current infrastructure and development projects inside Euroa, worth an estimated $3 million. A further 86 sit in the immediately surrounding suburbs, taking the tracked pipeline within reach of the area to $6.17 billion. 28 are already under construction and 31 are due for completion within three years. The pipeline spans residential development, sports & recreation 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
Strategic planning initiatives, capital investments, and local infrastructure projects play a fundamental role in shaping an area's trajectory. AreaSearch has highlighted a total of 16 projects poised to influence the locality. Notable developments comprise the Euroa Health Expansion, Euroa Bicentennial Park Play Space Upgrade, North East Rail Line Upgrade, and Benalla Zone Substation Upgrade, with key initiatives outlined 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
Euroa Bicentennial Park Play Space Upgrade
Upgrade of Bicentennial Park's gated play space in Euroa, including new adventure playground equipment, a sealed bike education track and shade sails, delivered by Strathbogie Shire Council to improve family-friendly recreation facilities.
GraniteHill Aged Care Expansion - Euroa Health
Euroa Health Inc. has expanded the GraniteHill Residential Aged Care facility from 75 to 85 beds, with a 10-bed dementia support unit completed in 2024. Co-located with the Euroa hospital site (now managed by GV Health following the 1 July 2024 acute services transfer), GraniteHill provides 24-hour nursing care across respite and permanent care. A Federal Government Aged Care Capital Assistance Program grant of approximately $498,000 was awarded in December 2024 to upgrade bed equipment across 75 rooms, improving safety and dignity for residents.Community services and care-at-home programs continue alongside the residential facility.
Kialla West Primary School Kindergarten
Construction of a new two-room kindergarten at Kialla West Primary School for up to 66 children as part of Victoria's Kindergarten on a School Site program. The facility is scheduled to open in Term 1, 2027 and will be operated by Goulburn Region Preschool Association, supporting smoother transition into primary school and easier family drop-offs.
North East Rail Line Upgrade
Major upgrade to the North East Rail Line between Melbourne and Albury-Wodonga, improving freight and passenger services, including track resurfacing, mud-hole removal, drainage improvements, bridge upgrades, and signalling enhancements to allow VLocity trains and better ride quality.
Sanctuary Park Estate
Boutique residential estate development located in the heart of Kialla, adjoining the Kialla Lakes precinct. Characterised by tree-lined streets, picturesque views integrated with surrounding landscapes, and an informal network of parklands. Multi-stage development with new stages including the 'Bolzonello Release' and development planned up to Stage 8.
Livingston Benalla
A premium residential land estate in Benalla featuring multiple stages of development with lots ranging from 310m2 to 1010m2. Set among preserved natural landscape with signature red gums and open spaces, the estate offers modern amenities including parks, wetlands, and tree-lined streets with all town services.
Kialla North Growth Corridor
The Kialla North Growth Corridor is a strategic residential expansion area covering approximately 271 hectares. The project involves the development of a Precinct Structure Plan (PSP) and Development Contributions Plan (DCP) to facilitate approximately 800 to 1000 new dwellings. Key focus areas include integrated water management, traffic impact assessments, and protecting connections to the Broken River. As of 2026, the project remains in the planning phase as the council works to address infrastructure servicing and land supply shortages in the region.
River Road Kialla Intersection Upgrade
Proposed construction of a new roundabout at the intersection of River Road and the Goulburn Valley Highway, Kialla, to improve safety, increase traffic efficiency and strengthen freight and flood resilience as part of the Greater Shepparton Road Network Resilience Package. As of 2026 the project remains an advocacy priority seeking Victorian Government funding and has not yet entered construction.
3,180 residents of Euroa are employed, from a labour force of 3,325. Unemployment sits at 4.4%, with participation at 55.9%. Weighted for its industry mix, the area's sectors are forecast to grow about 5.6% nationally over five years. That reflects industry composition only and makes no allowance for local population growth. Unemployment and labour force come from ABS Small Area Labour Markets, updated quarterly; the industry and occupation profile is from the 2021 Census.
Detail
A qualified local workforce characterizes Euroa, spanning multiple industry sectors alongside a 4.4% jobless rate. There were 3,180 residents in work as of March 2026, while the local unemployment rate sits 0.7% above the 3.7% benchmark observed in Regional Vic., and the labour participation rate of 55.9% trails the 61.1% recorded for Regional Vic.. Census returns indicate that 23.3% of workers carried out their duties from home, an outcome that must be interpreted in light of Covid-19 lockdown conditions. The largest sectors employing local residents comprise agriculture, forestry & fishing, health care & social assistance, alongside construction.
The community displays a marked industrial concentration in agriculture, forestry & fishing, where its employment proportion is 2.9 times the broader regional rate. In contrast, health care & social assistance accounts for a smaller footprint of 13.3% compared against the regional benchmark of 16.8%. A comparison between the Census working population and resident counts suggests that local job openings within the area remain somewhat restricted. Analysis of SALM and ABS statistics by AreaSearch shows that during the 12 months to March 2026, local workforce numbers contracted by 2.2% alongside a 2.5% decline in total employment, pushing the unemployment rate up by 0.3 percentage points. Conversely, Regional Vic. saw employment dip by 0.1%, the workforce reduce by 0.3%, and unemployment drop 0.2 percentage points. Further context regarding prospective occupational demand across Euroa can be gathered from Jobs and Skills Australia's national projections released in Mar-26. These five- and ten-year projections have been applied against the local industry distribution to calculate anticipated trajectory. Nationally, total employment is projected to grow by 6.6% over five years and 13.7% over ten years, with performance varying widely across distinct industries. Aligning these sectoral projections with Euroa's employment composition points to a local employment expansion of 5.6% over five years and 12.2% over ten years (note that this represents a simple weighting extrapolation for illustrative purposes and does not incorporate localised population projections).
Frequently Asked Questions - Employment
Median household income in Euroa is $1,133 a week (about $59,000 a year), with median personal income at $621 a week. ATO records put median taxable income at $44,351 a year against an average of $56,218. 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
Aggregated postcode tax statistics from the ATO for financial year 2023 compiled by AreaSearch indicate that taxpayers in the Euroa SA2 recorded a median income of $44,351 and an average income of $56,218. These figures trail national benchmarks as well as the corresponding medians and averages of $50,954 and $62,728 across Regional Vic.. Factoring in Wage Price Index inflation of 9.62% recorded since financial year 2023 yields updated estimates of roughly $48,618 (median) and $61,626 (average) as of March 2026. Data from the 2021 Census reveals that household, family, and individual earnings across Euroa sit within the 9th to 14th percentiles across the country.
The dominant income band encompasses 27.8% of residents (1,925 people) earning between $800 - 1,499, differing from the surrounding region where 30.3% fall within the $1,500 - 2,999 category. Even with contained housing costs leaving 89.3% of income retained, overall disposable income ranks only in the 14th percentile nationally.
Frequently Asked Questions - Income
Euroa had 2,871 occupied dwellings at the 2021 Census, 95% detached houses and 0% apartments. 28% are owned with a mortgage, 18% rented and 54% owned outright. At that Census the median rent was $250 a week and the median mortgage repayment $1,170 a month. Rent absorbs 22.1% of household income here and mortgage repayments 23.8%. Dwelling stock, tenure and housing costs are 2021 Census measures — the only source that counts dwellings at this boundary size.
Detail
According to the most recent Census, the dwelling profile of Euroa consisted of 95.2% houses and 4.8% other dwellings (incorporating semi-detached units, apartments, and 'other' dwellings), whereas Regional Vic. recorded 90.1% houses and 9.9% other dwellings. Furthermore, outright home ownership in Euroa reached 53.6%, comfortably surpassing the Regional Vic. level, with remaining residences categorized as mortgaged (28.3%) or rented (18.1%). The typical monthly mortgage repayment of $1,170 sat well below the Regional Vic. average of $1,430, while the typical weekly rental outlay of $250 also tracked below the regional benchmark of $285.
In a nationwide context, mortgage repayments in Euroa remain substantially lower than the Australian typical level of $1,863, with rents likewise positioned well underneath the national figure of $375.
Frequently Asked Questions - Housing
Euroa counted 2,871 households at the 2021 Census, averaging 2.1 people each. 19% are couples with children, fewer than in 89% of areas nationally, against 34% couples without children. 34% of households are people living alone, and families average 2.0 children. Household and family composition is measured only by the Census, so these are 2021 figures.
Detail
Family units constitute the bulk of households at 64.2%, comprising 34.1% couples without children, 19.1% couples with children, and 9.9% single parent families. Non-family living arrangements account for the remaining 35.8%, consisting of lone person households at 33.6% and group households making up 2.3%. The median household size of 2.1 people is lower than the Regional Vic. average of 2.4.
Frequently Asked Questions - Households
20.2% of adults in Euroa hold a university qualification, including 13.6% with a bachelor degree and 3.7% with postgraduate qualifications. A further 27.6% hold a vocational qualification. 8 schools serve the area, with 702 enrolment places and an average ICSEA of 981 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 attainment benchmarks highlight notable challenges in the district, where the tertiary qualification rate of 20.2% trails the broader VIC average of 33.4%. These metrics present both an educational gap and potential scope for targeted programs. Attainment is led by Bachelor degrees at 13.6%, followed by postgraduate qualifications (3.7%) and graduate diplomas (2.9%). Vocational credentials and technical skills are widespread, with 40.1% of residents aged 15+ possessing vocational qualifications, consisting of advanced diplomas (12.5%) and certificates (27.6%). Engagement in formal study is substantial across the region, with 25.8% of residents actively undertaking education.
This cohort includes 9.3% in primary education, 8.2% in secondary education, and 2.3% pursuing tertiary education programs.
Frequently Asked Questions - Education
Schools Detail
Getting around Euroa means driving: households keep an average of 1.7 vehicles, and scheduled services reach only a handful of stops. Service data is built from operators' published GTFS timetables; vehicle ownership is from the 2021 Census.
Detail
An assessment of local public transport indicates that 9 active transport stops operate in Euroa, encompassing both train and bus options. A network of 4 individual routes services these facilities, providing 63 weekly passenger trips in total. Overall transit connectivity is classified as limited, with residents facing a typical distance of 2058 meters to access the nearest stop. Reflecting the predominantly residential nature of the locality, commuting is largely outbound, with private vehicles serving as the primary mode for 89% of travel and walking comprising 8%. Households maintain an above-average vehicle ownership rate of 1.7 per dwelling.
In addition, 23.3% of workers operated from home at the 2021 Census, which may reflect prevailing COVID-19 settings. Across all transit routes, service frequency averages 9 trips per day, translating to roughly 7 weekly trips for each transport stop.
Frequently Asked Questions - Transport
Transport Stops Detail
59.6% of residents in Euroa report no long-term health condition, a less healthy profile than 77% of areas nationally. 7.9% need daily assistance with core activities, and 47.5% hold private health cover. The standardised death rate runs at 5.9 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 by AreaSearch based on mortality figures and long-term health condition prevalence identify meaningful challenges across Euroa, with widespread health conditions apparent among both younger and older demographics. Furthermore, private health insurance coverage is notably restricted, encompassing roughly 48% of the total population (~3,290 people). This sits below the 50.5% rate in Regional Vic. and the national average of 55.7%. Arthritis and mental health issues represent the primary chronic ailments documented locally, affecting 12.1 and 8.9% of residents, respectively, whilst 59.6% indicated they were free from any long-term medical conditions, compared to 63.4% across Regional Vic..
The working-age cohort experiences significant chronic condition rates. Additionally, individuals aged 65 and over make up 34.5% of the local population (2,388 people), exceeding the 24.0% proportion observed across Regional Vic., with health metrics among older cohorts recording elevated national rankings relative to the overall population.
Frequently Asked Questions - Health
Euroa is largely Australian-born, at 89.8% of residents, with 3.4% speaking a language other than English at home. The largest reported ancestries are English (33.1%) and Australian (29.9%). Ancestry, language and country of birth are counted only by the Census, so these are 2021 figures.
Detail
Cultural diversity measures across Euroa track below typical levels, with 87.7% holding citizenship, 89.8% born in Australia, and 96.6% speaking only English within their households. Christianity forms the dominant religious affiliation, accounting for 51.2% of people in Euroa, relative to 47.3% throughout Regional Vic.. Examining parent country of birth statistics, the primary ancestral backgrounds reported across Euroa comprise English at 33.1%, Australian at 29.9%, and Irish at 12.3%. Several other cultural heritages demonstrate higher relative shares locally: Scottish background accounts for 10.2% of Euroa (against 8.8% regionally), Hungarian represents 0.3% (against 0.2%), and French makes up 0.5% (against 0.3%).
Frequently Asked Questions - Diversity
The median resident of Euroa is 55, older than 96% of areas nationally. 16.4% of residents are aged 15 to 34. Age cohorts are not raw Census counts: the Census split is re-based to the latest ABS population estimates and state projections.
Detail
The age distribution of Euroa leans considerably older than the broader region. Older residents and retirees (65+) represent 34.5% of the population as at August 2026, compared to 24.0% across Regional Vic., whereas young to middle aged adults (25 - 44) comprise only 17.1%, below the regional benchmark of 23.1%. The estimated median age stands at 55 as at August 2026, matching the 2021 Census level, which exceeded the Regional Vic. median of 43 at that Census by 12 years and the national figure of 38 at the same Census.
Since that Census, the proportion of residents aged 45 - 64 has shifted from 28.4% down to an estimated 25.5%. Projections to 2041 indicate that the largest absolute population increase will occur in the 65+ cohort, adding 938 residents (39%) to reach 3,327. In relative terms, the 25 - 44 age cohort is projected to expand fastest, increasing 64% to 1,945 residents.
Frequently Asked Questions - Age
Data & MethodBoundaries, Sources & Method for Euroa
9 of 14 data sections on this page were updated within the last 12 months — the newest current to Oct 2026.
Everything is aggregated to the SA2 boundary shown above, on a 2021 Census baseline. Only 3 sections — housing, households and cultural diversity — still wait on the 2026 Census.
The ledger — source, cycle and currency by section
| Section | Source & update cycle | Currency |
|---|---|---|
| Updated within the last 12 months 9 sections | ||
| Population | ABS, GNAF, Geoscience Australia Annual (ABS ERP) | Aug 2026 2 months ago headline measures · 2021 Census baseline |
| Re-based to the ABS Estimated Resident Population (June 2025 release) and updated with new dwellings from GNAF address data. Current to Aug 2026, with the 2021 Census supplying the small-area baseline. | ||
| Age profile | ABS, Geoscience Australia, State governments Annual | Aug 2026 2 months ago headline measures · 2021 Census baseline |
| Age cohorts are re-based to the latest ABS population estimates and state projections, current to Aug 2026. Each cohort is held as a Census baseline and a current estimate. | ||
| Development & approvals | ABS, GNAF Monthly (ABS approvals) | Aug 2026 2 months ago headline measures · Jul 2026 baseline |
| Property sales & rents | Valuer General, Rental Board, ABS Weekly sales, quarterly rents | Oct 2026 this month headline measures · Sep 2026 baseline |
| Sales from the state Valuer General register, refreshed weekly, and rents from quarterly rental bond lodgements. Both are read live each time this page loads, current to Oct 2026. | ||
| Infrastructure projects | Infrastructure Australia, State agencies, Local governments Daily | May 2026 5 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 7 months ago headline measures · 2021 Census baseline |
| Unemployment and labour force from ABS Small Area Labour Markets, current to Mar 2026. The growth outlook applies Department of Employment (now Jobs and Skills Australia) forecasts for all 19 industry divisions to the local industry mix, so it measures sector composition rather than local expansion and makes no allowance for population growth. Job demand comes from the same agency via its Internet Vacancy Index; industry and occupation structure from the 2021 Census. | ||
| Education | ABS, ACARA Annual (ACARA) | Sep 2026 last month headline measures · 2021 Census baseline |
| Transport | ABS, State Transport Departments Each timetable release | Jul 2026 3 months ago headline measures · 2021 Census baseline |
| Services & amenities | Provider directories, ACECQA Continuous | Sep 2026 last month all 14 measures |
| Annual and financial-year sources 2 sections | ||
| Income | ABS, ATO Annual (ATO) | FY 2023 3 years ago headline measures · 2021 Census baseline |
| ATO taxable income statistics for FY 2023, indexed forward using the Wage Price Index. Census household income provides the distribution detail. | ||
| Health | ABS, ATO Annual | 2024 2 years ago headline measures · 2021 Census baseline |
| Census-measured — next update: 2026 Census 3 sections No more current small-area source exists for these, so they are labelled as Census-measured rather than implied to be current. | ||
| Housing | ABS 5-yearly (Census) | 2021 Census next update 2026 all 30 measures |
| Households | ABS 5-yearly (Census) | 2021 Census next update 2026 all 18 measures |
| Cultural diversity | ABS, Geoscience Australia 5-yearly (Census) | 2021 Census next update 2026 all 44 measures |
"Currency" is the most recent release feeding that section. Where the Census supplies the structural baseline underneath a current headline figure, the row says so.
How the numbers are built
Population
The Census provides the small-area baseline, aggregated from mesh blocks to this boundary. It is then re-based to the ABS Estimated Resident Population (June 2025 release), and new dwellings built since Census night are counted from address data — 135 validated new addresses here. The headline figure is therefore a current estimate for Aug 2026, not a 2021 count (6,922 at the 2021 Census → 6,928 now). Annual growth rates are compound (CAGR), not simple averages.
Age profile
Cohort shares are not raw Census counts. Every cohort is held as a pair — the Census baseline and a current estimate — and the split is re-based using ERP and state population projections, current to Aug 2026. Median age is the Census median plus modelled change since. Charts that show both are labelled "2021 Census vs Current Estimate".
Property sales
Sourced from the state valuation authority's sales register — current, not Census, and refreshed weekly. Medians are calculated from settled transactions in the period shown; periods with very low transaction counts are flagged or suppressed, because a handful of sales can move a median substantially.
Rents
Derived from state rental bond lodgement data, by dwelling type and bedroom count. Bonds are lodged at the start of a new tenancy, so this reflects new lettings, not the whole rented stock.
Development & infrastructure
Building approvals come from current ABS releases; development applications are collected from council and state planning portals; the infrastructure pipeline is compiled from Infrastructure Australia and local government sources. Applications are matched to this boundary by address or coordinates, so very recent lodgements may not yet appear.
Employment & income
Industry and occupation structure comes from the Census, but the headline labour-market indicators do not. Unemployment and labour force are derived from ABS Small Area Labour Markets (quarterly). The employment outlook applies Department of Employment forecasts for all 19 industry divisions to this area's own industry mix (the agency is now Jobs and Skills Australia), as does the Internet Vacancy Index used for job demand. Because it is weighted on industry composition alone, that outlook carries no allowance for local population growth — in fast-growing areas the real rise in local jobs will typically be higher. Income combines Census household income with ATO taxable-income statistics for FY 2023, indexed forward using the Wage Price Index.
Education, transport & amenities
School enrolments, ICSEA and performance come from ACARA's current release, not the Census. Public transport stops and service frequency are derived from GTFS timetable feeds published by state transport departments. Services and amenities are proximity and count scores built from provider directories, refreshed on their own cycle. The Census contributes only the travel-to-work and qualification measures.
Rankings and benchmarks. Where we rank this area, the comparison set is every area of the same boundary type — suburbs against suburbs, SA2s against SA2s. Benchmarks compare this area against its greater capital city region and the national figure for the same measure and period.
Limits worth knowing. Small areas carry larger error margins, and the ABS introduces small random adjustments to Census counts to protect confidentiality — so totals may not sum exactly. Estimates re-based from regional data describe the area's expected trajectory, not a direct count of it. Figures are indicative for research and are not financial, planning or valuation advice.
Cross-check us. The Census baseline for this boundary is at ABS 2021 Census QuickStats (204011055). QuickStats reports 2021 only — the figures on this page are more current wherever the ledger shows a later date.