Palm Cove QLD 4879

Palm Cove sits 1,723 km from Brisbane CBD in Queensland, around 19 hours 55 minutes by car. Census data records 2,450 residents with a median age of 53 and a median household income of $79,404 per year. On socioeconomic measures it sits in the top 40% nationally. Population grew 19.0% from 2016 to 2021. The 2021 Census recorded a median rent of $365 per week and a median monthly mortgage of $1,733. The area shows high crime risk. Walkability is low.

Is Palm Cove a good suburb?

Palm Cove scores a C (35/100) on SuburbScan's Liveability grade — strong on community, weaker on safety.

Transit

Some car dependence

Walkability 33/100 · 1723.2 km · 1196 min drive to Brisbane

Prices

Median available

Median $1.21M

Safety

High crime risk

Fire 39/100 · Crime 75/100

Community

Advantaged

SEIFA decile 7/10 · median age 53 · 2,450 residents

C

Liveability Rating

35 / 100 · Ranked #854 in QLD

Each bar is Palm Cove's rank among QLD suburbs, from 0 to 100 (higher is better). Scored on 4 of 5 factors: no school data, so the other factors carry its weight.

Schools quality no data
no schools mapped
Safety
8
Bushfire Low · Crime High

Flood data for Queensland covers only the areas mapped there — a blank here is not an all-clear.

Socio-economic
67
Advantaged
Walkability
49
Car-dependent
CBD access
4
1723.2 km · 1196 min drive to Brisbane
How it's calculated: Safety rank 8 × 25% + Socio-economic rank 67 × 25% + Walkability rank 49 × 15% + CBD access rank 4 × 10% = 35 / 100. Missing components rebalance the remaining weights.
Additional risks: Coastal erosion Low

How do you rate the liveability in Palm Cove?

Local knowledge beats any dataset. Rate it and see what other residents think.

Our score

35 / 100

From schools, safety and socio-economic data — not opinion.

Residents say

…

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Median Unit Price

Public listings data

Palm Cove's unit market is moving higher: the median sale price reached $455,000, roughly 13% above where it sat a year earlier.

Units

$455,000

last 7 quarters
↑ +12.7% year-on-year

Based on 74 recorded sales in the last 24 months.

Typically sold in 34 days — median across 33 sales that recorded a listing period

By bedrooms

  • 1 bed 24 sales $395K
  • 2 bed 40 sales $535K
  • 3 bed 10 sales $790K

Houses

$1,205,000

last 5 quarters
↑ +5.0% year-on-year

Based on 66 recorded sales in the last 24 months.

Typically sold in 40 days — median across 34 sales that recorded a listing period

By bedrooms

  • 3 bed 26 sales $1.24M
  • 4 bed 32 sales $1.2M
  • 5 bed 5 sales $1.46M

Currently for Sale

Last 6 months

Houses in Palm Cove are currently listed at around $1.19 million on average. Based on 21 houses listed in the past six months.

Houses

$1.19M

last 3 months
↑ +13.3% vs previous 6 months from $1.05M
Since 2022: $850K → $1.11M (+30%)

21 houses listed in the last 6 months.

Units

$495K

last 5 months
↓ −13.8% vs previous 6 months from $574K
Since 2021: $284K → $506K (+78%)

49 units listed in the last 6 months.

70 of the suburb's 998 dwellings (7.0%) were listed for sale in the last 6 months.

Rental Market

Advertised rents · last 6 months

Houses in Palm Cove rent for around $1,000 a week on average, based on 26 houses listed for rent in the past six months.

Houses

$1,000/wk

last 4 months
↑ +11.7% vs previous 6 months from $895/wk
Since 2021: $610/wk → $910/wk (+49%)

26 houses advertised for rent in the last 6 months.

Units

$600/wk

last 2 months
↑ +3.1% vs previous 6 months from $582/wk
Since 2021: $352/wk → $582/wk (+65%)

15 units advertised for rent in the last 6 months.

41 rentals advertised against an estimated 310 rented homes (13.2%) in the last 6 months.

Rent agreed on new leases

Jul–Sep 2026
All rentals
$670/wk
29 bonds
+52% since 2021

Median weekly rent on bonds lodged for new tenancies. Change since 2021 compares the median of the first four quarters with the last four. Asking rents above come from advertised listings.

Rental affordability

June quarter 2025

92 Unaffordable · the average rental household in this region would pay about 33% of its income on the median rent in postcode 4879.

SGS Rental Affordability Index: a score of 100 means rent takes 30% of income, the usual housing-stress line; lower scores are less affordable. "Region" is the capital city or the rest of the state.

Gross rental yield

Indicative
House
4.4% above the typical range

$1,000/week ($52,000 a year) on a $1.19 million median

Unit
6.3% well above the typical range
Top 7% in QLD

$600/week ($31,000 a year) on a $495,000 median

Gross yield — before strata, rates, management, insurance and vacancy. Calculated from median advertised rents and median asking prices over the last 6 months. How we calculate.

Is Palm Cove safe? Crime statistics

2025

Crime in Palm Cove sits in the high band, with 46 incidents recorded in 2025 — up roughly 84% on the prior year.

46 offences

84.0% since 2024
Drug Offences 24 (52.2%)
Assault 17 (37.0%)
Robbery 3 (6.5%)
Other Offences Against Person 2 (4.3%)

Crime Trend

Serious Road Crashes

2020–2024

11 crashes

where someone was killed or admitted to hospital

Where they happened

Captain Cook Highway 4 (36.4%)

Crashes are counted where they happened, so a main road through the suburb carries people passing through; this is not a measure of risk to residents. Roads are listed with 3 or more serious crashes.

Coastal Erosion

64
monitoring points
within 5 km
39
actively eroding
> 0.1 m/yr retreat
-0.19
worst rate (m/yr)
Moderate
126 m
nearest coastline
monitoring point

Shoreline Change Summary

1988–2025
Stable or accreting 50 (78%)
Moderate erosion (0.1–0.3 m/yr) 14 (22%)
Significant erosion (> 0.3 m/yr) 0 (0%)

Nearest Eroding Coastline

Distance
126 m
Rate
-0.03 m/yr
Net Movement
-6.8 m
Certainty
good

Data Quality

High certainty: 64 of 64 points (100%)

Schools

No schools in this suburb boundary.

Universities nearby

0.8% of residents here are full-time university students aged 15–24.

Distance is measured to the suburb centre. A campus nearby does not by itself mean a student rental market — most suburbs within a few kilometres of one have a student share close to the national norm, and the figure above is what tells them apart.

Walkability

Palm Cove is car-dependent on foot — at 33/100, most errands require a car.

33
out of 100
Car-Dependent
Top 17% in QLD
Public Transport within 1 km 54
Schools within 1.5 km 0
Parks within 800 m 100
Supermarkets within 1 km 0
GPs within 1 km 0
Pharmacies within 1 km 60
Childcare within 1 km 0
Hospitals within 5 km 0

Public transport

Weekday and weekend service frequency across every stop inside Palm Cove.

71
out of 100
Bus
Peak (7-9am + 5-7pm)
22.2 arrivals/hr
Off-peak weekday
22.4 arrivals/hr
Saturday
11.8 arrivals/hr
Median peak wait
1 min
Span of service
18.0 hours

Scheduled service only, based on the 21 October 2026 timetable. Reliability (delays, cancellations) not measured.

NBN connectivity

The internet access technology available across NBN premises in Palm Cove.

60
connectivity score / 100
Most common
Fibre to the node
Full-fibre (FTTP) share
27%
Premises covered
2,092
Technology mix
Fibre to the node (FTTN) 73%
Fibre to the premises (FTTP) 27%

NBN Co fixed-line and fixed-wireless premises, as at 30 December 2025. Higher-quality technologies (full fibre) score above copper, wireless, and satellite. Actual speeds depend on your plan.

Amenities

Supermarkets
None
Shopping Centres
None
Cafes & Restaurants
25 in suburb
Parks & Reserves
4 in suburb
Sport & Recreation
1 in suburb
Beaches
1 in suburb
Waterways
7 in suburb
Childcare
None
GPs
None
Pharmacies
1 in suburb
Hospitals
None
Police Stations
None
Banks & Bank@Post
1 in suburb
Fuel Stations
None
EV Chargers
None
Pubs & Bars
None
Arts & Culture
None
Places of Worship
None

Cairns: council population

The whole council area, not just Palm Cove · estimated residents
at 30 June 2025
Residents
179,334
+1.0% in a year
Change
+1,761
people since 2024
Density
106
people per km² across the council area
What drove the change
Natural increase
+643
births minus deaths
Net internal migration
-741
moves within Australia
Net overseas migration
+1,859
arrivals minus departures

The three add up to the change above. These are council-wide figures from the ABS, not figures for this suburb alone — this suburb's own population is in the census section above.

Socio-economic profile

ABS SEIFA · ranked against every suburb in Australia, and within the state
2021 census
Advantage and disadvantage
7/10
8/10 within QLD
income, education, jobs and housing together
Economic resources
5/10
5/10 within QLD
income against housing cost and household size
Education and occupation
7/10
9/10 within QLD
qualifications and job type, income excluded
How evenly that is spread

The ABS scores 6 small areas inside this suburb and averages them into the single decile above. They fall into 4 different deciles — a wide range, so parts of this suburb rank well above the average and parts well below it.

Palm Cove is home to about 2,400 residents, with a median age of 53 — noticeably older than the national figure of 38. Median household income runs at $79,000 a year, with unemployment at 5.6%.

2021 Census · change since 2016

Population

2,450

19.0% since 2016

Median Age

53

8.2% since 2016

Median Household Income

$79,404/yr

19.3% since 2016

Census Median Rent

$365/wk

14.1% since 2016

Census Median Mortgage

$1,733/mo

no change since 2016

Avg Household Size

2.1

no change since 2016

Median Personal Income

$41,444/yr

10.8% since 2016

Unemployment Rate

5.6%

21.1% since 2016

Unoccupied Dwellings

35.4%

18.4% since 2016

Total Dwellings

998

21.6% since 2016

Owner-Occupier Rate

68.9%

18.6% since 2016

Houses

65.8%

10.2% since 2016

Rental Stress

23.9%

4.4% since 2016

Mortgage Stress

26.2%

16.0% since 2016

Work From Home

22.9%

163.2% since 2016

Dwelling Types

Houses 657 (65.8%)
Flats / Apartments 223 (22.3%)
Townhouses 118 (11.8%)

Property Ownership

Owned Outright 398 (41.2%)
Renting 300 (31.1%)
Mortgage 268 (27.7%)
Of those rentals, social housing 19 (6.3%)

19 rented from a state or territory housing authority and 0 from a community housing provider, as a share of the 300 rented dwellings above — not of all dwellings.

Demographics

Born in Australia
59.1%
English Spoken at Home
82.0%
Employment Rate
53%
3.5% since 2016
Completed Year 12
49.3%

Occupations

Professionals 242 (20.8%)
Managers 217 (18.7%)
Community & Personal Service 162 (13.9%)
Technicians & Trades 151 (13.0%)
Clerical & Administrative 121 (10.4%)
Labourers 108 (9.3%)
Sales 107 (9.2%)
Machinery Operators & Drivers 46 (4.0%)

Religion

No Religion 1,118 (45.6%)
Christianity 1,010 (41.2%)
Buddhism 38 (1.6%)
Other Religions 12 (0.5%)
Judaism 9 (0.4%)
Hinduism 8 (0.3%)
Islam 7 (0.3%)
Sikhism 7 (0.3%)

Country of Birth (overseas)

Largest overseas birthplaces, as a share of all residents.

England 296 (12.1%)
New Zealand 98 (4.0%)
Germany 36 (1.5%)
Scotland 30 (1.2%)
South Africa 25 (1.0%)
Thailand 20 (0.8%)
Ireland 20 (0.8%)
Italy 15 (0.6%)

When They Arrived

Share of all residents by the year they arrived in Australia. Periods cover different numbers of years, so compare the shape rather than the bar widths.

2016-2021 92 (3.8%)
2011-2015 94 (3.8%)
2001-2010 198 (8.1%)
1991-2000 94 (3.8%)
1981-1990 108 (4.4%)
Before 1981 227 (9.3%)

92 residents (3.8%) arrived since 2016. Australia’s borders were closed to most arrivals from March 2020, so the last two years of that period are much smaller than the ones before them — nationally 260,799 people arrived in 2019 against 28,521 in 2021.

Where New Residents Came From

Where residents aged five and over lived five years before the 2021 Census, for those who lived somewhere else.

14.7% of residents (352) lived in a capital city five years earlier, most of them in Melbourne (167).

Overseas 129 (5.4%)
Melbourne - Outer East 35 (1.5%)
Geelong 25 (1.0%)

Top places newcomers came from, as a share of the 2,389 residents aged five and over. Areas are ABS statistical regions. Small counts are approximate: the ABS adjusts every figure slightly to protect privacy.

Languages Spoken at Home

Top languages other than English, as a share of all residents.

German 22 (0.9%)
Spanish 17 (0.7%)
Thai 14 (0.6%)
French 11 (0.4%)
Italian 9 (0.4%)
Korean 7 (0.3%)
Mandarin 5 (0.2%)
Greek 5 (0.2%)

Age Distribution

0-4 61 (2.5%)
5-14 210 (8.6%)
15-19 92 (3.8%)
20-24 71 (2.9%)
25-34 178 (7.3%)
35-44 266 (10.9%)
45-54 410 (16.7%)
55-64 495 (20.2%)
65-74 474 (19.3%)
75-84 184 (7.5%)
85+ 22 (0.9%)

Family & Household Composition

Lone Person 282 (49.6%)
Couple Families 189 (33.3%)
One Parent Families 64 (11.3%)
Group Household 22 (3.9%)
Other Families 11 (1.9%)

Commute to Work

Car (driver) 597 (62.7%)
Worked from Home 218 (22.9%)
Walked Only 65 (6.8%)
Car (passenger) 47 (4.9%)
Bus 20 (2.1%)
Bicycle 5 (0.5%)

1% of employed residents work in a capital's city centre (15 of 1,163).

City centre: the ABS area around each capital's CBD, such as Sydney Inner City or Perth City (which takes in Subiaco and Leederville). 2021 Census place of work.

Local Jobs

People who work in this suburb against employed people who live here, 2021 Census.

About 996 people work here; 1,163 employed residents live here.

Roughly as many jobs as working residents (0.9 per resident). At least 14% of employed residents must work outside the suburb.

Counts are by place of work and place of usual residence. The ABS counts jobs in zones; where a zone spans several places, its jobs are shared out by land use. The ABS also adjusts every figure slightly to protect privacy.

Education

Certificate III & IV 370 (15.1%)
Bachelor Degree 310 (12.7%)
Advanced Diploma / Diploma 267 (10.9%)
Postgraduate Degree 141 (5.8%)
Graduate Diploma / Certificate 62 (2.5%)

Cars per Dwelling

0 cars 33 (3.4%)
1 car 442 (44.9%)
2 cars 370 (37.6%)
3 cars 92 (9.3%)
4+ cars 40 (4.1%)

Council Rates

Cairns
FY 2025-26

Households face an average residential rates bill of $1,354 a year through Cairns based on 2025 figures.

Avg residential rate
$1,354/yr
About the QLD average ($1,328) · median of 59 councils
Valuation basis
Unimproved Value
land only

Building Approvals: Cairns

The whole council area, not just Palm Cove · new residential dwellings
to 2026-08

In the year to August 2026, 767 new dwellings were approved across Cairns. That mix is 681 houses and 86 units. Approvals are down 81.0% on the same period a year earlier.

Trailing 12 months
767dwellings
-81.0% YoY
Houses
681
detached dwellings
Units
86
townhouses + apartments

New Homes Planned

New homes planned in this suburb: 386 to 1,415 homes

  • Within 2 years 57 to 120 homes
  • In 2 to 5 years 69 to 170 homes
  • In 10 years or more 259 to 1,120 homes
  • No timeframe set 1 to 5 homes

Land the Queensland Government's residential land supply study identifies for future housing (11 parcels), by when it expects lots to be registered. Yields are published in ranges, so these are too.

Aboriginal Cultural Heritage

The Aboriginal party for this area is Djabugay Nation.

Under Queensland's Aboriginal Cultural Heritage Act 2003 the Aboriginal party for an area follows native title. A native title claim over this area is registered with the Federal Court.

Air Quality

MODERATE

PM2.5 averaged 5.6 µg/m³ in 2025 — below Australia's NEPM annual standard (8 µg/m³), slightly above the stricter WHO guideline (5 µg/m³). 2 days exceeded the daily threshold of 25 µg/m³.

PM10 averaged 18.6 µg/m³. Days over the limit in 2025: PM10 4.

From the Woree (Cairns, Far North Queensland) monitoring station, 25.2 km away.

Climate & Setting

from Cairns Aero, 16.3 km

High rainfall — warm summers, mild winters.

Elevation
13 m
above sea level, at the suburb centre
Distance to the ocean
122 m
948 m to a named beach
Annual rainfall
2,121 mm
120 rainy days
Summer max (Jan)
31.9°C
4 days ≥ 35°C
Winter min (Jul)
18.1°C
0 frost days ≤ 0°C

Elevation is the ground at the suburb centre, from Geoscience Australia's National Digital Elevation Model. Approximate — it reads high in dense built-up areas. It is a measure of height above sea level and not an indicator of flood risk, which depends on height above nearby waterways.

EV adoption

1.0%
of light vehicles are electric
Up from 0.06% in 2021
+0.3 points this year
Top 19% in QLD

In postcode 4879, 178 of 17,924 registered light vehicles are battery-electric on 31 January 2025. A further 2.9% (522 vehicles) are hybrid or plug-in hybrid, taking the non-petrol, non-diesel share to 3.9%.

Electric share, year by year
2021
0.06%
2022
0.19%
2023
0.34%
2024
0.71%
2025
0.99%

Rooftop solar

66
systems per 100 dwellings
Averaging 7.9 kW each

In postcode 4879, 6,310 rooftop-solar systems totalling 49.8 MW have been installed since 2001, against 9,595 dwellings recorded in the 2021 Census. 568 went up in the last year.

Counts every system certified since 2001, so a roof re-fitted with a newer system is counted twice, and small commercial systems are included alongside houses — useful for comparing postcodes, not an estimate of how many homes have working panels today.

Systems installed, year by year
2019
430
2020
482
2021
546
2022
531
2023
516
2024
540
2025
556
2026
299

2026 covers part of the year only, to 2026-07.

First Home Owner Grant

FY2026-27

$30,000 for new homes priced up to $750,000.

$30,000 for contracts signed on or after 20 November 2023, with no end date. IT DID NOT REVERT TO $15,000: the tier was due to end 30 June 2026 and the 2026-27 Queensland Budget (23 June 2026) continued it for contracts signed from 1 July 2026. This file carried a "due to revert" note until 2026-09-18 — it was never true, and a note predicting a change is not the same as a change. Cap is "less than $750,000" including land and contract variations — less than, not up to. New homes only: "There are no home owner grants for established homes."

Verify eligibility with Queensland Revenue Office

Mortgage repayments

I'm looking for
Deposit
$
%
Monthly repayment
$2,373
Loan amount
$364,000
Total interest over 30 years
$490,283

1 mortgage broker is registered in this suburb, 15 across postcode 4879.

Deposit
$91,000
Stamp duty
$7,175
Cash needed at settlement
$98,175

Transfer duty at the owner-occupier rate, and it excludes first home buyer concessions — those can cut it substantially or remove it entirely. Excludes legal, inspection and lender fees. Check with Queensland Revenue Office

The First Home Owner Grant applies to newly built homes only, so it isn't available on an established purchase. A first home buyer building or buying new under $750,000 may qualify for $30,000 — see what qualifies with Queensland Revenue Office.

Principal and interest over 30 years, fixed rate. Excludes fees, offset, redraw and LMI. Default rate is the median comparison rate across 1788 advertised products as at 2026-10-27 — indicative only, and not an offer. Your rate depends on the lender, your deposit and your circumstances. Not financial advice.

Federal Electorate

Division of Leichhardt

Currently held by Matt Smith Australian Labor Party

Year Winner 2PP ALP 2PP LNP Swing
2025 Matt Smith 56.1% 43.9% +9.5
2022 Warren Entsch 46.6% 53.4% -0.7
2019 Warren Entsch 45.8% 54.2% +0.2

Results are per division — federal electoral boundaries are redrawn periodically, so the history reflects this division's past, not necessarily the exact suburb's voters across time.

State Electorate

Barron River District

Currently held by Bree James Liberal National Party of Queensland

Next state election: 28 October 2028.

Year Winner Won with
2024 Bree James LNP 53.7%
2020 Craig Crawford ALP 53.1%

Results are per district. Districts were last redrawn in 2017, so results from before then describe the district of that name, not necessarily this suburb's voters. Results: Electoral Commission of Queensland.

Looking at a specific address in Palm Cove?

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Common questions about Palm Cove

Is Palm Cove a safe place to live?

Recorded crime in Palm Cove is high (75/100, ranked against other QLD suburbs on offences per resident). Offences against shops, venues and visitors are divided by the people who live here, so suburbs with large daytime or visitor populations rank higher than living there may feel.

What natural hazards affect Palm Cove?

Palm Cove has a low recorded bushfire history (39/100, ranked against every Australian suburb with any fire history). These are suburb-wide figures; check the address, as flood and bushfire exposure change street by street.

Is Palm Cove a good place to live?

Palm Cove has a SuburbScan Liveability grade of C (35/100), ranked against other QLD suburbs on school quality (25%), safety (25%), SEIFA socio-economic advantage (25%), walkability (15%) and CBD access (10%). Whether it suits you depends on what you weigh — each of those is on this page.

What is the population of Palm Cove?

Palm Cove, QLD had a population of 2,450 at the 2021 Australian Bureau of Statistics census.

What is the postcode for Palm Cove, QLD?

The postcode for Palm Cove, QLD is 4879.

How far is Palm Cove from Brisbane?

Palm Cove is 1,723 km from Brisbane CBD by road, about 1196 minutes by car in normal traffic. Distance is the most-direct driving route, not straight-line.

What is the median household income in Palm Cove?

At the 2021 ABS Census, median household income in Palm Cove was $79,404 a year. It is the most recent suburb-level income figure until 2026 Census results are released in 2027.

What is the median weekly rent in Palm Cove?

The median advertised rent in Palm Cove is $1,000 a week for houses (26 listings) and $600 a week for units (15 listings), from rental listings over the last six months.

What is the median age in Palm Cove?

The median age of residents in Palm Cove was 53 at the 2021 ABS Census.

Is Palm Cove at risk of bushfire?

Palm Cove has a low recorded bushfire history (39/100). The score comes from Geoscience Australia's historical bushfire boundaries, with planned burns excluded: the area of recorded fires touching the suburb relative to its size, ranked against every Australian suburb with any fire history. It records where fire has burned, not a bushfire-prone land designation, which your council's planning scheme sets.

Is Palm Cove walkable?

Palm Cove scores 33/100 on the SuburbScan Walkability Score, making it car-dependent. The score is a weighted average of public transport, schools, parks, supermarkets, GPs, pharmacies, childcare, and hospitals within walking distance.

What is the air quality in Palm Cove?

The nearest government air-quality monitoring station to Palm Cove (Woree (Cairns, Far North Queensland)) recorded a 2025 annual mean PM2.5 of 5.6 µg/m³ and PM10 of 18.6 µg/m³. That puts Palm Cove below the Australian NEPM annual standard of 8 µg/m³ but above the stricter WHO guideline of 5 µg/m³.

What is the weather like in Palm Cove?

At the nearest Bureau of Meteorology station to Palm Cove, Cairns Aero (16.3 km away), summer days average 31.9°C, winter nights 18.1°C, 2,121 mm of rain a year over 120 rainy days, and 4 days a year above 35°C over 2006-2026.

Is the First Home Owner Grant available in Palm Cove?

First-home buyers in QLD may be eligible for $30,000 towards new homes with a purchase price up to $750,000. The grant is administered by Queensland Revenue Office; confirm current eligibility before signing a contract — state rules and amounts can change.

What council does Palm Cove belong to?

Palm Cove sits within the Cairns local government area. Council rates, planning approvals, and waste collection fall under this LGA.

How much are council rates in Palm Cove?

The average residential rates bill through Cairns is $1,354 a year (2025). Every suburb in this LGA shares the same schedule — individual bills vary with land value.

How much is being built near Palm Cove?

Across Cairns, 767 new residential dwellings were approved in the year to August 2026 (source: ABS Building Approvals). That's down 81.0% on the same period a year earlier. These are LGA-level totals — every suburb in the council shares the same figure.

Which federal electorate is Palm Cove in?

Palm Cove sits within the federal Division of Leichhardt, currently held by Matt Smith (Australian Labor Party).

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Data freshness

Vintages show when each source's data is from. See all data sources.

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Information shown is provided as-is from Australian government and commercial data sources.
Always verify with the relevant authority before making property decisions.
See Data Sources and How We Calculate for details.

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