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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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Thornbury has an estimated 20,238 residents, up from 18,919 at the 2021 Census — a change of 1,319 people, or 7.0%. 105 new addresses have been validated here since Census night. Overseas migration accounts for 81.0% of that increase. That puts 4,048 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
AreaSearch indicates that the population of Thornbury stands at approximately 20,238 as of May 2026. This represents an expansion of 1,319 residents (7.0%) from the 18,919 individuals recorded in the 2021 Census. The change is calculated using the June 2025 ABS estimated resident population of 20,234 alongside 105 validated new addresses identified since the Census. This population size results in a density of 4,047 persons per square kilometer, placing the suburb within the highest 10% of national locations analyzed by AreaSearch, pointing to intense demand for local land. The post-census growth rate of 7.0% is within 1.0 percentage points of the broader SA3 region (8.0%), indicating robust underlying growth trends.
This increase was heavily supported by overseas migration, which accounted for roughly 81.0% of the total population gains in recent times. Projections published in 2024 using 2022 as a starting point from the ABS and Geoscience Australia are applied to each SA2 region. For locations lacking this coverage, figures are derived from the 2023 VIC State Government regional and LGA projections, adjusted using a weighted aggregation method of population growth from the LGA to the SA2 level. Growth dynamics by age bracket from these calculations are extended to all areas for the period between 2032 and 2041. Based on these expected demographic transformations, the area is set to experience substantial growth that ranks in the top quarter of all national statistical regions, with an projected rise of 7,586 individuals by 2041 relative to the most recent annual ERP data, representing a total expansion of 37.5% over the 16 years.
Frequently Asked Questions - Population
290 new dwellings have been approved in Thornbury over the past five years, an average of 58 a year. That is 3.0 approvals per 1,000 residents. Of the 41 dwellings approved in the latest reporting year, 39% were detached houses and the rest townhouses or apartments. Approvals are currently running at an annualised 129, running ahead of 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
An average of approximately 58 new residential approvals have been registered annually in Thornbury, totaling 290 home approvals over the last 5 financial years (from FY-21 to FY-25) and 119 during the current FY-26 period. Over the last 5 financial years (from FY-21 to FY-25), 1.5 individuals relocated to the area for every built home, suggesting balanced supply and demand conditions and a stable market, though this ratio rose to 7.3 people per dwelling over the last 2 financial years, pointing to rising popularity and a potential shortage of homes.
The mean construction value for new builds is $403,000. Furthermore, $48.7 million in commercial building approvals have been logged in the current financial year, showing strong commercial investment activity. Compared to Greater Melbourne, Thornbury records 14.0% less new construction per resident, ranking in the 34th percentile of areas evaluated across the nation, which translates to fewer purchasing alternatives for buyers and elevates demand for pre-existing properties. This construction rate is also lower than the national average, reflecting a mature local market and indicating possible planning or geographic limits on new projects. Recent residential development consists of 39.0% detached houses and 61.0% multi-dwelling units or apartments. This focus on higher-density configurations provides more accessible price points for buyers and caters to downsizers, property investors, and first-time purchasers. With roughly 558 residents per approved residential dwelling, the local market shows signs of high maturity. Looking forward, the population of Thornbury is projected to increase by 7,582 citizens by 2041, based on the latest quarterly calculations from AreaSearch. If building activity remains at its current pace, the volume of new housing may fail to match population expansion, which could intensify competition among purchasers and support higher rate growth.
Frequently Asked Questions - Development
Development applications around Thornbury
SOURCE: Planning portals and council registers, compiled by AreaSearch. Distance & bearing measured from the suburb midpoint.
AreaSearch tracks 15 current infrastructure and development projects inside Thornbury, worth an estimated $179 million. A further 134 sit in the immediately surrounding suburbs, taking the tracked pipeline within reach of the area to $120.7 billion. 47 are already under construction and 50 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, new planning policies, and development initiatives are key drivers of regional performance. AreaSearch has tracked 34 projects that are likely to influence the local area. Some of the primary developments include the 712-716 High Street Mixed-Use Development, the Route 86 Tram Accessibility Upgrades, the 680 High Street Residential Development, and the 791-793 High Street Development, with key details provided on the most significant initiatives.
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
Thornbury House
Thornbury House is a seven-storey, mixed-use development designed by Austin Maynard Architects. The 100 percent all-electric, fossil-fuel-free building features 44 one, two, and three-bedroom apartments over ground-level commercial, retail, and food tenancies. Key amenities include a communal rooftop terrace with sweeping views, a central planted lightwell garden, and a 7.8-star average NatHERS energy rating.
680 High Street Residential Development
A proposed residential development featuring 23 apartments with 22 car spaces on High Street in Thornbury. The project represents part of the ongoing urban renewal along the High Street corridor in this vibrant inner-north Melbourne suburb.
791-793 High Street Development
Proposed mixed-use development consisting of ground floor commercial tenancy (food and drink premises) and twelve apartments with a reduction in car parking requirement. Planning application reference D/470/2022 lodged with Darebin City Council.
Route 86 Tram Accessibility Upgrades
Major accessibility improvements for tram Route 86 along High Street Thornbury and Northcote, including platform raising and DDA compliance upgrades.
The Wilds Northcote
A collection of 15 carbon-neutral, fully electric detached houses on Merri Creek in Northcote, delivered by Beulah and designed by Edition Office. Homes feature solar arrays, passive design, double glazing and biophilic landscaping. Construction is underway with sales active; move-in targeted for 2026.
Northcote Green (Northcote Plaza Redevelopment)
A $500 million revitalization of the southern 15,000 sqm portion of Northcote Plaza. The VCAT-approved masterplan, designed by Fender Katsalidis, features four residential towers (up to 18 storeys) containing approximately 605 apartments, including a Build-to-Rent component and a 10% commitment to social and affordable housing. The precinct includes 6,500 sqm of new retail space, 15,000 sqm of A-grade office space, a central park, and a public through-site link connecting High Street to All Nations Park.Key amenities include a library, cinema, and a residents gymnasium.
Preston Crossing
A masterplanned urban regeneration project delivering up to 650 homes. Partnership between Homes Victoria, MAB Corporation, and HousingFirst replacing outdated social homes with new social housing and market apartments. Designed by architects Archier, Hayball, Nightingale, and Breathe Architecture with 5-star Green Star certification and a 7-star NatHERS rating. The first three stages were completed in 2024, with remaining homes under construction.
658-664 High Street Apartments
Mid-rise 6-storey residential development with 24 apartments, 26 car spaces and retail ground floor. Part of High Street mixed-use precinct.
12,434 residents of Thornbury are employed, from a labour force of 13,340. Unemployment sits at 6.8%, with participation at 76.4%. Weighted for its industry mix, the area's sectors are forecast to grow about 7.1% nationally over five years. That reflects industry composition only and makes no allowance for local population growth. The working-day population is estimated at 16,542, 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 high levels of education, with a notable concentration in the technology sector, an unemployment rate of 6.8%, and a 3.8% estimated rise in employment over the past year. In March 2026, 12,434 local citizens were employed, while the unemployment rate was 2.0% higher than the Greater Melbourne average of 4.8%, and the labor participation rate was elevated at 76.4% compared to 70.2% across Greater Melbourne. Census data showed that a high proportion of residents (48.1%) worked from home, though this may have been influenced by COVID-19 restriction periods.
The primary sectors employing local residents are health care & social assistance, professional & technical, and education & training. The local area has a particularly high representation in professional & technical services, with employment levels reaching 1.4 times the regional average. Conversely, construction accounts for only 6.1% of the local workforce, which is below the 9.7% average for Greater Melbourne. The local area is primarily residential and seems to offer relatively few jobs within its borders, as shown by comparing the number of working residents to the local working population in the Census. AreaSearch analysis of SALM and ABS statistics shows that in the year leading to March 2026, employment grew by 3.8% and the total labor force expanded by 3.7%, keeping the rate of unemployment virtually unchanged. In contrast, Greater Melbourne saw employment rise by 2.1% and the labor force grow by 2.3%, while its unemployment rate ticked up by 0.2 percentage points. National job projections from Jobs and Skills Australia released in May-25 provide additional context on future demand trends in Thornbury. These forecasts, spanning five and ten-year horizons, have been applied to the local workforce distribution to project future growth. While total employment across Australia is expected to grow by 6.6% over five years and 13.7% over ten years, the rates of growth vary widely by sector. Applying these national industry trends directly to the local workforce profile suggests Thornbury employment could rise by 7.1% over five years and 14.4% over ten years, representing a basic weighted projection for comparison that does not incorporate local population forecasts.
Frequently Asked Questions - Employment
Median household income in Thornbury is $1,978 a week (about $103,000 a year), with median personal income at $1,041 a week. ATO records put median taxable income at $66,515 a year against an average of $84,578. 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
Data compiled by AreaSearch from postcode-level ATO statistics released for the 2023 financial year shows that taxpayers in the Thornbury SA2 recorded a median income of $66,515 and an average income of $84,578. These figures represent some of the highest earnings in Australia, comparing to median and average levels of $57,688 and $75,164 across Greater Melbourne. Adjusting for a Wage Price Index increase of 9.62% since the 2023 financial year yields estimated current values of roughly $72,914 for median and $92,714 for average earnings as of March 2026. The 2021 Census placed individual incomes in the 81st percentile nationwide, with weekly earnings of $1,041.
The largest cohort of earners, representing 30.3% of the population (6,132 residents), receives between $1,500 - 2,999 weekly, which aligns closely with the regional proportion of 32.8% in this bracket. High-income earners constitute a large portion of the community, with 31.0% receiving more than $3,000 weekly, pointing to significant household purchasing power. While local housing costs take up 16.1% of earnings, strong wages keep disposable income in the 64th percentile, and the SEIFA index ranks the area in the 8th decile for income.
Frequently Asked Questions - Income
Thornbury had 7,941 occupied dwellings at the 2021 Census, 52% detached houses and 24% apartments. 30% are owned with a mortgage, 43% rented and 28% owned outright. At that Census the median rent was $396 a week and the median mortgage repayment $2,200 a month. Rent absorbs 20.0% of household income here and mortgage repayments 25.7%. Dwelling stock, tenure and housing costs are 2021 Census measures — the only source that counts dwellings at this boundary size.
Detail
According to the latest Census, the housing stock in Thornbury consisted of 51.9% houses and 48.2% alternative housing types, such as townhouses, semi-detached properties, and apartments, compared to 67.9% houses and 32.1% other dwellings across the Melbourne metro area. The rate of home ownership was 27.8%, slightly behind the Melbourne metro average, with the remaining residential properties occupied by individuals with a mortgage (29.6%) or tenants (42.6%). The median mortgage payment in the area was higher than the Melbourne metropolitan average at $2,200 monthly, and the median weekly rent was $396, compared to metropolitan averages of $2,000 and $390.
Globally, mortgage repayments in Thornbury are notably higher than the Australian median of $1,863, and weekly rents exceed the national benchmark of $375.
Frequently Asked Questions - Housing
Thornbury counted 7,941 households at the 2021 Census, an estimated 8,495 today, averaging 2.3 people each. 26% are couples with children, against 24% couples without children. 33% of households are people living alone, and families average 1.0 children. Household and family composition is measured only by the Census, so these are 2021 figures.
Detail
Families make up 59.2% of all local households, consisting of 25.7% couples with children, 24.0% couples without children, and 8.4% single parent households. The remaining 40.8% are non-family households, with single-person households representing 33.3% of the total and group households accounting for 7.4%. The median household size is 2.3 individuals, which is smaller than the Greater Melbourne median of 2.6.
Frequently Asked Questions - Households
51.2% of adults in Thornbury hold a university qualification, including 31.2% with a bachelor degree and 13.9% with postgraduate qualifications, higher than 75% of areas nationally. A further 11.3% hold a vocational qualification. 10 schools serve the area, with 8,476 enrolment places and an average ICSEA of 1,081 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 level of education in Thornbury is high compared to broader averages, with 51.2% of residents aged 15+ holding a university degree, compared to national and state rates of 30.4% in Australia and 33.4% in VIC. This educational pattern positions the area well for professional and knowledge-based careers. Bachelor degrees are the most common qualification at 31.2%, followed by postgraduate degrees at 13.9% and graduate diplomas at 6.1%. Vocational qualifications are held by 20.4% of residents aged 15+, consisting of advanced diplomas (9.1%) and certificates (11.3%). A significant proportion of the population is engaged in studies, with 28.1% of local residents currently enrolled in an educational program.
This includes 8.9% of the population in university or higher education, 7.6% attending primary school, and 5.9% enrolled in secondary school.
Frequently Asked Questions - Education
Schools Detail
Public transport in Thornbury reaches 82 stops on 14 routes, timetabled for about 7,000 services a week. The typical home sits about 180 m from its nearest stop. Trams carry the largest share of public transport commuters. Households keep an average of 0.9 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 public transport network shows 82 active transit stops in the area, offering a combination of tram and bus services. These stops are served by 14 separate routes that provide a total of 7,023 passenger trips every week. Accessibility is high, with residents living an average of 176 meters from the nearest stop. Since the suburb is mostly residential, most workers commute out of the area, with private vehicles remaining the most common choice at 67%, followed by train travel at 9% and cycling at 7%. Vehicle ownership averages 0.9 cars per household, which is below the metropolitan average.
A high proportion of residents (48.1%) worked from home according to the 2021 Census, which may reflect COVID-19 pandemic conditions. Transit service frequency averages 1,003 trips daily across the active routes, which represents approximately 85 weekly trips at each individual transit stop.
Frequently Asked Questions - Transport
Transport Stops Detail
68.5% of residents in Thornbury report no long-term health condition. 6.5% need daily assistance with core activities, and 61.6% hold private health cover. The standardised death rate runs at 5.7 per 1,000 residents. Health conditions, assistance needs and insurance are 2021 Census measures; the death rate comes from current ABS releases.
Detail
Local health outcomes are positive, with AreaSearch analysis of mortality rates and health diagnoses showing statistics that align with national averages, showing typical rates of common medical conditions across both younger and older demographics. The rate of private health insurance coverage is exceptionally high, with approximately 62% of the population (12,466 people) having private cover. This is higher than the 56.7% average in Greater Melbourne and the national average of 55.7%. Mental health conditions and asthma are the most frequently reported diagnoses locally, affecting 11.7 and 8.3% of residents. Conversely, 68.5% of the population reported no chronic health conditions, compared to 72.6% across Greater Melbourne.
Health profiles for working-age residents are standard. Residents aged 65 and older make up 13.4% of the population (2,713 people), which is lower than the Greater Melbourne average of 15.0%, with health performance rankings matching the broader population.
Frequently Asked Questions - Health
27.4% of Thornbury residents were born overseas and 26.1% speak a language other than English at home. The largest reported ancestries are English (21.0%) and Australian (17.5%). Ancestry, language and country of birth are counted only by the Census, so these are 2021 figures.
Detail
The local population displays higher cultural diversity than most markets, with 27.4% of residents born outside Australia and 26.1% using a language other than English at home. Christianity is the most common religious affiliation, representing 37.1% of the population. The most prominent religious overrepresentation is in Judaism, which accounts for 0.4% of the population, compared to 1.0% across Greater Melbourne. Regarding parent birthplaces, the most common ancestries in the area are English at 21.0%, Australian at 17.5%, and Irish at 10.1%. There are also notable concentrations of other ethnic heritages, with Greek heritage representing 7.7% of the population (compared to 2.7% regionally), Italian heritage at 8.9% (compared to 5.2%), and Macedonian heritage at 1.2% (compared to 0.7%).
Frequently Asked Questions - Diversity
The median resident of Thornbury is 37. 31.0% 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 Thornbury residents is 37, matching the Greater Melbourne average of 37 and close to the national median of 38 years. The 25 - 34 age bracket is highly represented at 20.6% of the population, compared to Greater Melbourne, while the 5 - 14 demographic is less common at 9.0%. The concentration of residents aged 25 - 34 is higher than the national average of 14.6%. Since 2021, the cohort aged 55 to 64 has increased from 9.8% to 10.6% of the population, while the 45 to 54 cohort has decreased from 14.1% to 12.9%.
Looking forward to 2041, demographic projections suggest substantial changes in local age structures, led by a 60% increase in the 55 to 64 age group (representing an increase of 1,280 people, growing from 2,149 to 3,430).
Frequently Asked Questions - Age
Data & MethodBoundaries, Sources & Method for Thornbury
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 | Jun 2026 2 months ago all 15 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 — 105 validated new addresses here. The headline figure is therefore a current estimate for May 2026, not a 2021 count (18,919 at the 2021 Census → 20,238 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 (206021112). QuickStats reports 2021 only — the figures on this page are more current wherever the ledger shows a later date.