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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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Point Nepean has an estimated 20,581 residents, up from 19,811 at the 2021 Census — a change of 770 people, or 3.9%. Growth has averaged 0.9% a year over five years. That puts 306 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
Point Nepean's population is estimated at approximately 20,581 as of May 2026, according to analysis by AreaSearch. Compared to the 2021 Census, which recorded 19,811 residents, the population has expanded by 770 individuals, or 3.9%. This growth calculation is based on the June 2025 ABS estimated resident population of 20,575 and 30 validated new addresses registered after the Census. The region has a density of 306 persons per square kilometer, indicating a low-density profile with ample space and capacity for expansion. Point Nepean's 3.9% growth rate outpaced both the SA3 area (2.0%) and the SA4 region, positioning it as a local growth leader.
This population rise was largely fueled by interstate migration, which accounted for roughly 50.2% of the total demographic gains in recent times. AreaSearch incorporates projections released in 2024 by the ABS and Geoscience Australia, using 2022 as a baseline. For SA2 regions lacking these projections, figures are derived from the 2023 VIC State Government Regional/LGA projections, adjusted via weighted aggregation of population growth from the LGA level to the SA2 level. The age structure growth rates obtained from these calculations are projected forward to the years 2032 through 2041. Based on these anticipated demographic trends, the area is set to experience population growth above the median of areas analyzed by AreaSearch, with an expected increase of 3,193 residents up to 2041 relative to the latest annual ERP statistics, representing a overall growth rate of 15.5% over the 16 years.
Frequently Asked Questions - Population
851 new dwellings have been approved in Point Nepean over the past five years, an average of 170 a year. That places the area in the 77th percentile for residential development activity nationally, about 8 approvals per 1,000 residents a year. Of the 132 dwellings approved in the latest reporting year, 96% were detached houses and the rest townhouses or apartments. Approvals are currently running at an annualised 140, broadly in line with that longer-run average. Figures come from ABS building approvals aggregated to this SA2 boundary and are updated monthly as the ABS releases them.
Detail
Building approvals in Point Nepean have averaged approximately 170 residential units annually, leading to a total of 851 residential dwellings over the last 5 financial years, with 129 approvals documented during the current FY-26 period. Given that new dwellings accommodated an average of 1.1 new residents per year between FY-21 and FY-25, demand matches supply closely, fostering balanced market conditions. The average construction cost for these new homes is $869,000, which demonstrates a developer focus on high-end, premium housing. Furthermore, commercial building approvals have reached $47.9 million in the current financial year, demonstrating solid progress in commercial real estate development.
Per capita building approvals in Point Nepean are 64.0% higher than in Greater Melbourne, presenting a wider selection of properties for purchasers. The construction mix is heavily oriented toward single-family houses, which account for 96.0% of approvals, while attached structures make up just 4.0%, preserving the low-density, traditional layout suited for families. The ratio of approximately 142 people for each dwelling approval aligns with the characteristics of a low-density suburb. Projections indicate that Point Nepean will add 3,186 residents by 2041, measured from the most recent quarterly estimate by AreaSearch. Current construction trends suggest the supply of new housing will easily accommodate this growth, creating favorable buying opportunities and potentially supporting population increases above current forecasts.
Frequently Asked Questions - Development
Development applications around Point Nepean
SOURCE: Planning portals and council registers, compiled by AreaSearch. Distance & bearing measured from the suburb midpoint.
AreaSearch tracks 4 current infrastructure and development projects inside Point Nepean, worth an estimated $37 million. A further 102 sit in the immediately surrounding suburbs, taking the tracked pipeline within reach of the area to $3.54 billion. 26 are already under construction and 35 are due for completion within three years. The pipeline spans residential development, communities, precincts & urban renewal and environmental & disaster management. 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 developments, and urban planning decisions represent significant drivers of regional change. AreaSearch has identified 4 key projects that are expected to influence Point Nepean. The primary developments include the 6 Napier Street Hotel Development, 2135 Point Nepean Road, Rye, the Rye Foreshore Promenade Redevelopment, and the Rye Pier Reconstruction, with the following list detailing those of greatest significance.
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INFRASTRUCTURE SEARCH
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Frequently Asked Questions - Infrastructure
6 Napier Street Hotel Development
DA approved development for a residential boutique hotel comprising a five-storey building with basement parking, ground floor restaurant, and onsite parking. Positioned on a 1,029sqm corner site close to the waterfront in Rye's commercial precinct.
Rye Foreshore Promenade Redevelopment
The Rye Foreshore Promenade Redevelopment is part of the Rye Township Plan Stage 1, Part B. The project creates a strong central axis to the pier, acting as the main gateway to the foreshore. Works include a refurbished central walkway, new plaza spaces, pedestrian crossings on Point Nepean Road, connecting pathways, and landscaping. The project enhances public open space by replacing the eastern pier carpark and improves connectivity and accessibility for the community.
2135 Point Nepean Road, Rye
A three-storey, mixed-use building comprising 20 architecturally designed apartments (9 x 2-bedroom and 11 x 3-bedroom) above a ground-floor retail and car park area. The Cera Stribley Architects-designed development features a curved facade, high-end finishes, residents' lounge, beach showers, 'beach box' storage, and a rooftop with a pool, deck, and barbecue facilities, with coastal views.
Rye Pier Reconstruction
Two-stage reconstruction of Rye Pier delivering a wider timber deck, updated L-shaped head with accessible low landings, solar lighting, seating, interpretative signage trail and improved all-abilities access. Stage 1 rebuilt the pier approach in 2022; Stage 2 rebuilt and upgraded the outer pier and head in 2023-2024. The pier reopened to the community and final works were completed in June 2024.
Rosebud Hospital Redevelopment
A major proposed redevelopment of the Rosebud Hospital to replace aging 1960s facilities. The project aims to double bed capacity, expand the emergency department, and integrate aged care and specialist services like chemotherapy and dialysis. While the current Victorian Government announced a 4 million dollar refurbishment in late 2025 for ventilation and safety upgrades, a full 340 million dollar rebuild remains a key advocacy priority and election commitment for the Coalition in 2026.
Rosebud Activity Centre Structure Plan Delivery
Ongoing strategic precinct revitalisation framework aimed at consolidating Rosebud's central activity zone, upgrading streetscapes, integrating mixed-use commercial and upper-level housing along Point Nepean Road, and establishing pedestrian-friendly public spaces.
Rosedale Residential Development
A luxury private estate featuring 40 single-level townhouses (2-3 bedrooms) designed for downsizers and young families on the Mornington Peninsula. Located in its own boutique community within Rosebud, offering quality low-maintenance homes near beaches, golf courses, vineyards and Peninsula amenities.
McCrae Landslip Mitigation and Site Remediation Project
Mornington Peninsula Shire Council and South East Water are progressing land acquisition, geotechnical stabilization, drainage remediation and long-term landslip mitigation following the January 2025 McCrae landslide. During 2026 the project advanced through mediation with affected landowners, detailed design of critical remediation works, implementation of Board of Inquiry recommendations and formal land acquisition for remediation works.
9,312 residents of Point Nepean are employed, from a labour force of 9,657. Unemployment sits at 3.6%, with participation at 53.1%. Weighted for its industry mix, the area's sectors are forecast to grow about 6.6% nationally over five years. That reflects industry composition only and makes no allowance for local population growth. The working-day population is estimated at 18,421, about 90% 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
Point Nepean features a highly skilled labor force, with strong representation in the construction sector, an unemployment rate sitting at 3.6%, and an estimated annual job growth of 0.5%. There were 9,312 employed residents in March 2026, and the unemployment rate was 1.2% lower than the 4.8% recorded in Greater Melbourne. However, workforce participation is relatively low at 53.1%, compared to the Greater Melbourne benchmark of 70.2%. Census data indicates that 30.7% of the workforce operated from home, though this figure was likely influenced by COVID-19 lockdowns. Local employment is largely concentrated in the construction, health care & social assistance, and retail trade sectors.
The construction sector stands out, with an employment concentration 1.8 times the regional benchmark. Conversely, health care & social assistance accounts for 11.4% of jobs locally, which is lower than the Greater Melbourne average of 14.2%. Comparing the number of working residents to local job opportunities suggests that this predominantly residential community offers limited employment locally. Analysis of SALM and ABS statistics shows that for the 12 months ending March 2026, the count of employed residents rose by 0.5% while the total labor force grew by 0.2%, leading to a decrease in the unemployment rate of 0.3 percentage points. In contrast, Greater Melbourne saw employment rise by 2.1%, labor force expand by 2.3%, and the unemployment rate increase by 0.2 percentage points. National forecasts released by Jobs and Skills Australia in May-25 provide a basis for estimating future local employment changes over five and ten-year periods by mapping national industry growth patterns to the local occupational structure. While national employment is projected to grow by 6.6% over five years and 13.7% over ten years, the rates vary widely by industry. Projecting these national trends onto the local labor profile suggests Point Nepean's employment numbers would rise by 6.6% over five years and 13.3% over ten years, assuming a simple weighted extrapolation that does not adjust for local population growth projections.
Frequently Asked Questions - Employment
Median household income in Point Nepean is $1,430 a week (about $74,000 a year), with median personal income at $751 a week. ATO records put median taxable income at $48,335 a year against an average of $80,724. The average runs 67% above the median, a wider spread than most areas and a sign of a concentrated group of high earners. 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 financial year 2023 ATO statistics compiled by AreaSearch, Point Nepean SA2 is positioned among the highest income brackets in Australia. Taxpayers in Point Nepean SA2 recorded a median income of $48,335 and an average income of $80,724, compared to Greater Melbourne's median of $57,688 and average of $75,164. Adjusting these figures for a 9.62% increase in the Wage Price Index since financial year 2023 yields estimated values of $52,985 for the median and $88,490 for the average in March 2026. The 2021 Census indicates that household, family, and personal income figures are moderate, falling in the 31st to 38th percentiles.
The largest income cohort consists of 5,721 residents, or 27.8% of the population, earning weekly incomes of $1,500 - 2,999, mirroring the metropolitan trend where 32.8% fall in this bracket. Discretionary income remaining after housing costs is 85.7%, and the SEIFA index for income places the area in the 6th decile.
Frequently Asked Questions - Income
Point Nepean had 7,869 occupied dwellings at the 2021 Census, 96% detached houses and 0% apartments. 30% are owned with a mortgage, 20% rented and 50% owned outright. At that Census the median rent was $376 a week and the median mortgage repayment $1,888 a month. Rent absorbs 26.3% of household income here and mortgage repayments 30.5%. Dwelling stock, tenure and housing costs are 2021 Census measures — the only source that counts dwellings at this boundary size.
Detail
The housing stock in Point Nepean at the time of the latest Census consisted of 96.3% detached houses and 3.7% alternative housing styles (including apartments and semi-detached properties), compared to Greater Melbourne where detached houses make up 67.9% and other options constitute 32.1%. Outright home ownership in Point Nepean was high at 50.4%, with 30.0% of properties carrying a mortgage and 19.6% being rented. The median monthly mortgage payment was $1,888 and the median weekly rent was $376, which are both lower than the metropolitan Melbourne averages of $2,000 and $390.
On a national level, the monthly mortgage outlays in Point Nepean exceed the Australian average of $1,863, and weekly rents are above the national benchmark of $375.
Frequently Asked Questions - Housing
Point Nepean counted 7,869 households at the 2021 Census, averaging 2.2 people each. 22% are couples with children, fewer than in 82% of areas nationally, against 37% 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
Families make up 67.9% of all households, consisting of couples without children at 36.8%, couples with children at 21.6%, and single-parent households at 8.8%. Non-family living arrangements account for the remaining 32.1%, dominated by single-person households at 30.0% and group households at 2.1%. The average household size of 2.2 individuals is lower than the Greater Melbourne average of 2.6.
Frequently Asked Questions - Households
27.7% of adults in Point Nepean hold a university qualification, including 19.3% with a bachelor degree and 5.1% with postgraduate qualifications. A further 24.7% hold a vocational qualification. 4 schools serve the area, with 961 enrolment places and an average ICSEA of 1,022 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
Academic credentials in Point Nepean are below metropolitan averages, with 27.7% of residents aged 15+ holding a tertiary qualification compared to 37.0% in Greater Melbourne, suggesting scope for expanding educational attainment. Bachelor degrees are the most common tertiary qualification at 19.3%, with postgraduate degrees at 5.1% and graduate diplomas at 3.3%. Vocational training is common, with 38.4% of the population aged 15+ holding trade credentials, comprising advanced diplomas at 13.7% and certificate level qualifications at 24.7%. A total of 24.9% of the local population is enrolled in some form of study, with primary school students making up 9.0%, secondary school students representing 7.1%, and tertiary students accounting for 3.3% of the community.
Frequently Asked Questions - Education
Schools Detail
Public transport in Point Nepean reaches 198 stops on 3 routes, timetabled for about 440 services a week. The typical home sits about 390 m from its nearest stop. 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
Public transport services in Point Nepean consist of 198 active stops utilized by bus services. These stops serve 3 distinct routes that provide a total of 438 passenger trips each week. Transport access is rated as good, with residents living an average of 394 meters from their nearest stop. The suburb is primarily residential, and most commuters travel outside the area, with private cars remaining the primary mode of travel at 94%. Household vehicle ownership averages 1.5 cars per dwelling, which is higher than the regional average. A significant 30.7% of residents worked from home according to the 2021 Census, which may have been influenced by COVID-19 circumstances.
Service schedules average 62 daily trips across the transit network, which translates to roughly 2 weekly services at each individual stop. The accompanying map displays the locations of the 100 closest transit stops relative to the center of the area.
Frequently Asked Questions - Transport
Transport Stops Detail
63.5% of residents in Point Nepean report no long-term health condition. 5.5% need daily assistance with core activities, and 59.5% hold private health cover. The standardised death rate runs at 3.8 per 1,000 residents. Health conditions, assistance needs and insurance are 2021 Census measures; the death rate comes from current ABS releases.
Detail
Point Nepean residents record positive health outcomes based on mortality rates and the incidence of chronic illnesses, with low rates of common health conditions observed in both younger and older cohorts. Private health insurance coverage is high, with roughly 60% of the population (12,245 individuals) holding policies, compared to 56.7% across the Greater Melbourne area. Arthritis and mental health conditions are the most prevalent health issues, affecting 10.9% and 7.9% of residents respectively. Conversely, 63.5% of the population reported no chronic health conditions, compared to 72.6% in Greater Melbourne. The health status of the working-age cohort is consistent with broader trends.
The area has a high proportion of residents aged 65 and over, representing 37.3% of the population (7,672 individuals) compared to 15.0% in Greater Melbourne. Health outcomes among this older cohort are strong, with national indicators exceeding those of the general population.
Frequently Asked Questions - Health
Point Nepean is largely Australian-born, at 84.2% of residents, with 6.9% speaking a language other than English at home. The largest reported ancestries are English (32.2%) and Australian (26.6%). Ancestry, language and country of birth are counted only by the Census, so these are 2021 figures.
Detail
Point Nepean exhibits lower levels of cultural diversity than broader regional trends, with citizens making up 88.3% of the population, 84.2% born in Australia, and 93.1% using only English at home. Christianity is the primary religion, representing 46.7% of the community. The most distinct religious deviation is in Judaism, which accounts for 0.3% of the local population compared to 1.0% across Greater Melbourne. Ancestry details show the three most common backgrounds in Point Nepean are English at 32.2% of the population (higher than the regional average of 20.1%), Australian at 26.6% (higher than the regional average of 18.4%), and Irish at 10.8%.
There are also differences in other groups, with Scottish background overrepresented at 9.4% compared to 5.6% across the region, while Italian background is at 4.4% compared to 5.2% and Greek background is at 1.6% compared to 2.7% regionally.
Frequently Asked Questions - Diversity
The median resident of Point Nepean is 53, older than 95% of areas nationally. 14.9% 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 residents in Point Nepean is 53 years, which is higher than the Greater Melbourne median of 37 years and the national median of 38 years. The demographic profile features a high proportion of individuals aged 65 - 74 years at 18.9%, which is higher than the national share of 9.4%, while the 25 - 34 age bracket is smaller at 7.0% compared to Greater Melbourne. Since 2021, the 75 to 84 cohort expanded from 10.4% to 14.3% of the population, and the 85+ cohort grew from 3.0% to 4.1%.
Meanwhile, the 45 to 54 cohort fell from 13.0% to 11.2%, and the 5 to 14 cohort declined from 9.6% to 8.2%. Looking ahead to 2041, demographic projections indicate that the 75 to 84 age bracket will increase by 47% (an additional 1,374 people) to reach 4,313 from 2,938. The trend towards an older population is clear, with residents aged 65 and over accounting for 88% of all projected population growth. In contrast, population declines are forecast for the 0 to 4 and 15 to 24 age brackets.
Frequently Asked Questions - Age
Data & MethodBoundaries, Sources & Method for Point Nepean
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 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) | May 2026 3 months ago headline measures · 2021 Census baseline |
| Re-based to the ABS Estimated Resident Population (June 2025 release) and updated with new dwellings from GNAF address data. Current to May 2026, with the 2021 Census supplying the small-area baseline. | ||
| Age profile | ABS, Geoscience Australia, State governments Annual | May 2026 3 months ago headline measures · 2021 Census baseline |
| Age cohorts are re-based to the latest ABS population estimates and state projections, current to May 2026. Each cohort is held as a Census baseline and a current estimate. | ||
| Development & approvals | ABS, GNAF Monthly (ABS approvals) | Jun 2026 2 months ago headline measures · May 2026 baseline |
| Property sales & rents | Valuer General, Rental Board, ABS Weekly sales, quarterly rents | Aug 2026 this month all 21 measures |
| Sales from the state Valuer General register, refreshed weekly, and rents from quarterly rental bond lodgements. Both are read live each time this page loads, current to Aug 2026. | ||
| Infrastructure projects | Infrastructure Australia, State agencies, Local governments Daily | Jul 2026 last month all 6 projects tracked here |
| Project pipeline maintained continuously from Infrastructure Australia, state agencies, local government and public announcements. Records are added and revised daily; this area was last updated Jul 2026. | ||
| Employment | ABS, DEWR, JSA Quarterly (ABS SALM) | Mar 2026 5 months ago headline measures · 2021 Census baseline |
| Unemployment and labour force from ABS Small Area Labour Markets, current to Mar 2026. The growth outlook applies Department of Employment (now Jobs and Skills Australia) forecasts for all 19 industry divisions to the local industry mix, so it measures sector composition rather than local expansion and makes no allowance for population growth. Job demand comes from the same agency via its Internet Vacancy Index; industry and occupation structure from the 2021 Census. | ||
| Education | ABS, ACARA Annual (ACARA) | Aug 2026 this month headline measures · 2021 Census baseline |
| Transport | ABS, State Transport Departments Each timetable release | Jul 2026 last month headline measures · 2021 Census baseline |
| Services & amenities | Provider directories, ACECQA Continuous | Jul 2026 last month all 14 measures |
| Annual and financial-year sources 2 sections | ||
| Income | ABS, ATO Annual (ATO) | FY 2023 3 years ago headline measures · 2021 Census baseline |
| ATO taxable income statistics for FY 2023, indexed forward using the Wage Price Index. Census household income provides the distribution detail. | ||
| Health | ABS, ATO Annual | 2024 2 years ago headline measures · 2021 Census baseline |
| Census-measured — next update: 2026 Census 3 sections No more current small-area source exists for these, so they are labelled as Census-measured rather than implied to be current. | ||
| Housing | ABS 5-yearly (Census) | 2021 Census next update 2026 all 30 measures |
| Households | ABS 5-yearly (Census) | 2021 Census next update 2026 all 18 measures |
| Cultural diversity | ABS, Geoscience Australia 5-yearly (Census) | 2021 Census next update 2026 all 44 measures |
"Currency" is the most recent release feeding that section. Where the Census supplies the structural baseline underneath a current headline figure, the row says so.
How the numbers are built
Population
The Census provides the small-area baseline, aggregated from mesh blocks to this boundary. It is then re-based to the ABS Estimated Resident Population (June 2025 release), and new dwellings built since Census night are counted from address data — 30 validated new addresses here. The headline figure is therefore a current estimate for May 2026, not a 2021 count (19,811 at the 2021 Census → 20,581 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 (214021383). QuickStats reports 2021 only — the figures on this page are more current wherever the ledger shows a later date.