Last update: Oct 2026

Cost of Living Comparison Between Agana Heights and Lower Hutt

For one person, living is cheaper in Agana Heights: $1,006 a month against $2,199 in Lower Hutt, rent and utilities included – about $14,300 less a year. Rent and utilities account for most of the difference.

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Cost of Living Index in Lower Hutt
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Lower Hutt Living Index

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Agana Heights

🇬🇺 Guam

$1,006

/mo nomad

Lower Hutt

🇳🇿 New Zealand

$2,199

/mo nomad

Monthly Cost of Living

How much you'll spend in Agana Heights and in Lower Hutt

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Agana Heights and in Lower Hutt actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,006 in Agana Heights versus $2,199 in Lower Hutt.

Agana Heights $1,006
Lower Hutt $2,199

Estimated couple costs with rent: $1,356 in Agana Heights versus $3,027 in Lower Hutt.

Agana Heights $1,356
Lower Hutt $3,027

Monthly costs for a family of three with rent: $1,707 in Agana Heights versus $3,854 in Lower Hutt.

Agana Heights $1,707
Lower Hutt $3,854

Living in Agana Heights costs roughly 54% less than in Lower Hutt, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Agana Heights is 25% below, Lower Hutt is 63% above.

Meal at Budget Restaurant

$10.42 NZ$18.43

Three-Course Dinner for Two, Mid-Range

$33.22 NZ$58.8

Fast Food Meal (McDonalds, etc)

$9.17 NZ$16.21

Cappuccino

$2.99 NZ$5.28

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$1.98 NZ$3.50

Water (0.33 liter bottle)

$1.69 NZ$2.99

Local Beer (0.5 liter draught)

$2.75 NZ$4.86

Imported Beer (0.33 liter bottle)

$6.64 NZ$11.74

Milk (1 liter)

$1.70 $1.70

$1.85 NZ$3.27

-8.11%

White Bread (500g)

$4.65 $4.65

$1.70 NZ$3.00

173.53%

Rice (white) (1kg)

$1.70 $1.70

$1.85 NZ$3.26

-8.11%

Eggs

$4.08 $4.08

$6.98 NZ$12.34

-41.55%

Local Cheese (1kg)

$25.94 $25.94

$8.48 NZ$15.00

205.90%

Chicken Fillets (1kg)

$6.60 $6.60

$8.25 NZ$14.59

-20.00%

Beef Round Steak (1kg)

$17.90 $17.90

$12.41 NZ$21.95

44.24%

Apples (1kg)

$3.99 $3.99

$2.83 NZ$5.00

40.99%

Banana (1kg)

$1.20 $1.20

$2.01 NZ$3.56

-40.30%

Oranges (1kg)

$1.92 $1.92

$2.93 NZ$5.18

-34.47%

Tomato (1kg)

$6.72 $6.72

$4.35 NZ$7.70

54.48%

Potato (1kg)

$2.82 $2.82

$2.09 NZ$3.69

34.93%

Onion (1kg)

$2.85 $2.85

$1.28 NZ$2.26

122.66%

Lettuce (1 head)

$4.07 $4.07

$2.06 NZ$3.64

97.57%

Water (1.5 liter bottle)

$2.02 $2.02

$1.18 NZ$2.09

71.19%

Cigarettes 20 Pack (Marlboro, Camel)

$9.81 $9.81

$16.53 NZ$29.24

-40.65%

Wine (Bottle)

$12.18 $12.18

$8.49 NZ$15.01

43.46%

Local Beer (0.5 liter bottle)

$1.84 $1.84

$3.12 NZ$5.52

-41.03%

Imported Beer (0.33 liter bottle)

$1.54 $1.54

$2.81 NZ$4.97

-45.20%

One-way Ticket (Public Transport)

$2.95 $2.95

$2.68 NZ$4.74

10.07%

Public Transport Monthly Pass (Regular Price)

$60.8 $60.8

$88.5 NZ$156

-31.32%

Taxi Start (Normal Tariff)

$10.08 $10.08

$1.79 NZ$3.16

463.13%

Taxi (Normal Tariff) (1km)

$1.74 NZ$3.08

Taxi 1hour Waiting (Normal Tariff)

$33.71 NZ$59.6

Gasoline (1 liter)

$1.64 NZ$2.90

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$38.9K $38.9K

$25.3K NZ$44.7K

53.76%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$35.7K $35.7K

$24.7K NZ$43.7K

44.49%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$339 $339

$144 NZ$254

136.16%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$75.9 $75.9

$32.73 NZ$57.9

131.87%

Internet (50+ Mbps, Unlimited Data)

$97.4 $97.4

$52.4 NZ$92.7

85.77%

Gym Membership (Monthly)

$38.70 NZ$68.5

Cinema Ticket

$9.59 NZ$16.96

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$683 NZ$1,208

International Primary School, 1 Child (Yearly)

$11.1K NZ$19.6K

Jeans (Levis 501 Or Similar)

$78.0 NZ$138

Summer Dress (H&M, Zara, etc)

$28.28 NZ$50.0

Sport Shoes (Adidas, Nike)

$101 NZ$178

Men's Leather Business Shoes

$143 NZ$252

1-bedroom Apartment, City Center (Monthly)

$1,396 NZ$2,469

1-bedroom Apartment, Outside City Center (Monthly)

$1,153 NZ$2,039

3-bedroom Apartment, City Center (Monthly)

$2,045 NZ$3,617

3-bedroom Apartment, Outside City Center (Monthly)

$1,653 NZ$2,923

Buy Apartment in City Center (m2)

$4,821 NZ$8,526

Buy Apartment Outside City Center (m2)

$3,282 NZ$5,804

Average Monthly Net Salary (After Tax)

$3,100 NZ$5,482

20-Year Fixed Mortgage Interest Rate (Annual %)

5.39

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Agana Heights: October 10, 2026

Last update for Lower Hutt: October 10, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Agana Heights

–

Lower Hutt

$1.2K 52.4%

Groceries & Markets

Agana Heights

–

Lower Hutt

$304 13.8%

Monthly Utilities & Internet

Agana Heights

–

Lower Hutt

$229 10.4%

Eating Out

Agana Heights

–

Lower Hutt

$188 8.6%

Clothing & Footwear

Agana Heights

–

Lower Hutt

$157 7.2%

Getting Around

Agana Heights

–

Lower Hutt

$110 5%

Sport & Entertainment

Agana Heights

–

Lower Hutt

$58 2.6%

Good to know

🇬🇺 Agana Heights

🇳🇿 Lower Hutt

🕒 Local time

06:28 6:28 AM

09:28 9:28 AM

3 h ahead of Agana Heights

🌤 Weather

👥 Population

3,940

111,800

💱 Currency

United States Dollar USD $

New Zealand Dollar NZD $

📈 Exchange rate

1 USD = 0.889 EUR

1 NZD = 0.565 USD

1 NZD = 0.503 EUR

Exchange rates and currency converter

NZD, EUR to USD – United States Dollar Converter

🇳🇿 New Zealand Dollar ($)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 17, 2026: 1 EUR = 1.12 USD (1 USD = 0.889 EUR).

New Zealand Dollar exchange rates as of October 17, 2026: 1 USD = 1.77 NZD (1 NZD = 0.565 USD). 1 EUR = 1.99 NZD (1 NZD = 0.503 EUR).

NZD to USD in detail →

On the map

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Between locations

Agana Heights Lower Hutt 6,820 km ≈ 9 h nonstop flight

From you

Agana Heights
Lower Hutt

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Agana Heights vs Lower Hutt: Cost of Living - Frequently Asked Questions

Agana Heights wins on cost – living expenses run 119% lower than in Lower Hutt. Housing and daily spending are where you'll feel the difference most, making Agana Heights the obvious pick if budget is a priority.

You'd need roughly $1,509 in Agana Heights and $3,298 in Lower Hutt to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

All in, you'll spend $1,006 per month in Agana Heights versus $2,199 in Lower Hutt – a 119% gap that adds up to real savings over time for anyone picking the cheaper option.

Shoppers in Lower Hutt pay roughly 35% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,006 in Agana Heights versus $2,199 in Lower Hutt, a $1,000 budget is realistic in Agana Heights but tight or insufficient in Lower Hutt. The gap between the two cities makes Agana Heights the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Agana Heights and Lower Hutt are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Agana Heights gentler on the wallet – expenses run 119% less than in Lower Hutt. Beyond cost, consider language, visa policies, and how big the international community is in each city.