Last update: Oct 2026

Cost of Living Comparison Between Agana Heights and Masterton

For one person, living is cheaper in Masterton: $832 a month against $1,006 in Agana Heights, rent and utilities included – about $2,100 less a year. Higher rent and utilities in Agana Heights outweigh lower spending on other living expenses.

40

Cost of Living Index in Masterton
Learn more

Masterton Living Index

Jump to prices

Agana Heights

🇬🇺 Guam

$1,006

/mo nomad

Masterton

🇳🇿 New Zealand

$832

/mo nomad

Monthly Cost of Living

How much you'll spend in Agana Heights and in Masterton

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 Masterton actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,006 in Agana Heights versus $832 in Masterton.

Agana Heights $1,006
Masterton $832

Estimated couple costs with rent: $1,356 in Agana Heights versus $1,432 in Masterton.

Agana Heights $1,356
Masterton $1,432

Monthly costs for a family of three with rent: $1,707 in Agana Heights versus $2,032 in Masterton.

Agana Heights $1,707
Masterton $2,032

Living in Agana Heights is roughly 21% more expensive than in Masterton, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Agana Heights 25% lower, Masterton 38% lower.

Meal at Budget Restaurant

$9.54 NZ$16.88

Three-Course Dinner for Two, Mid-Range

$64.9 NZ$115

Fast Food Meal (McDonalds, etc)

$8.56 NZ$15.14

Cappuccino

$3.18 NZ$5.62

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

$2.02 NZ$3.57

Water (0.33 liter bottle)

$1.09 NZ$1.93

Local Beer (0.5 liter draught)

$3.89 NZ$6.88

Imported Beer (0.33 liter bottle)

$3.28 NZ$5.79

Milk (1 liter)

$1.70 $1.70

$1.42 NZ$2.51

19.72%

White Bread (500g)

$4.65 $4.65

$2.21 NZ$3.91

110.41%

Rice (white) (1kg)

$1.70 $1.70

$1.03 NZ$1.82

65.05%

Eggs

$4.08 $4.08

$6.32 NZ$11.17

-35.44%

Local Cheese (1kg)

$25.94 $25.94

$8.29 NZ$14.65

212.91%

Chicken Fillets (1kg)

$6.60 $6.60

$9.48 NZ$16.76

-30.38%

Beef Round Steak (1kg)

$17.90 $17.90

$15.18 NZ$26.85

17.92%

Apples (1kg)

$3.99 $3.99

$2.18 NZ$3.85

83.03%

Banana (1kg)

$1.20 $1.20

$1.71 NZ$3.02

-29.82%

Oranges (1kg)

$1.92 $1.92

$2.98 NZ$5.27

-35.57%

Tomato (1kg)

$6.72 $6.72

$4.58 NZ$8.11

46.72%

Potato (1kg)

$2.82 $2.82

$1.53 NZ$2.71

84.31%

Onion (1kg)

$2.85 $2.85

$1.08 NZ$1.90

163.89%

Lettuce (1 head)

$4.07 $4.07

$1.70 NZ$3.00

139.41%

Water (1.5 liter bottle)

$2.02 $2.02

$0.52 NZ$0.92

288.46%

Cigarettes 20 Pack (Marlboro, Camel)

$9.81 $9.81

$19.51 NZ$34.50

-49.72%

Wine (Bottle)

$12.18 $12.18

$11.21 NZ$19.83

8.65%

Local Beer (0.5 liter bottle)

$1.84 $1.84

$0.85 NZ$1.50

116.47%

Imported Beer (0.33 liter bottle)

$1.54 $1.54

$1.14 NZ$2.02

35.09%

One-way Ticket (Public Transport)

$2.95 $2.95

$2.23 NZ$3.94

32.29%

Public Transport Monthly Pass (Regular Price)

$60.8 $60.8

Taxi Start (Normal Tariff)

$10.08 $10.08

$1.81 NZ$3.20

456.91%

Taxi (Normal Tariff) (1km)

$1.75 NZ$3.09

Taxi 1hour Waiting (Normal Tariff)

$34.16 NZ$60.4

Gasoline (1 liter)

$1.77 NZ$3.12

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

$38.9K $38.9K

$22.0K NZ$39.0K

76.29%

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

$35.7K $35.7K

$24.8K NZ$43.9K

43.96%

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

$339 $339

$55.0 NZ$97.3

516.85%

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

$75.9 $75.9

$29.34 NZ$51.9

158.66%

Internet (50+ Mbps, Unlimited Data)

$97.4 $97.4

$52.8 NZ$93.3

84.64%

Gym Membership (Monthly)

$41.79 NZ$73.9

Tennis Court (1 Hour on Weekend)

$8.51 NZ$15.06

Cinema Ticket

$9.68 NZ$17.12

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

$1,056 NZ$1,868

International Primary School, 1 Child (Yearly)

$12.7K NZ$22.5K

Jeans (Levis 501 Or Similar)

$55.6 NZ$98.3

Summer Dress (H&M, Zara, etc)

$27.59 NZ$48.79

Sport Shoes (Adidas, Nike)

$102 NZ$181

Men's Leather Business Shoes

$142 NZ$251

3-bedroom Apartment, City Center (Monthly)

$1,002 NZ$1,773

Average Monthly Net Salary (After Tax)

$2,327 NZ$4,115

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 Masterton: October 13, 2026

Monthly budget structure

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

Groceries & Markets

Agana Heights

–

Masterton

$288 34.7%

Eating Out

Agana Heights

–

Masterton

$179 21.5%

Clothing & Footwear

Agana Heights

–

Masterton

$147 17.7%

Monthly Utilities & Internet

Agana Heights

–

Masterton

$137 16.5%

Sport & Entertainment

Agana Heights

–

Masterton

$61 7.4%

Getting Around

Agana Heights

–

Masterton

$19 * 2.3%

Accommodation & Living

Agana Heights

–

Masterton

- * 0%

Categories marked with * are only partly priced – their share counts the items that do have prices.

Good to know

🇬🇺 Agana Heights

🇳🇿 Masterton

🕒 Local time

08:03 8:03 AM

11:03 11:03 AM

3 h ahead of Agana Heights

🌤 Weather

👥 Population

3,940

26,800

💱 Currency

United States Dollar USD $

New Zealand Dollar NZD $

📈 Exchange rate

1 USD = 0.89 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 = 0.89 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

Lowest

Highest

Between locations

Agana Heights Masterton 6,840 km ≈ 9 h nonstop flight

From you

Agana Heights
Masterton

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 Masterton: Cost of Living - Frequently Asked Questions

Masterton wins on cost – living expenses run 21% lower than in Agana Heights. Housing and daily spending are where you'll feel the difference most, making Masterton the obvious pick if budget is a priority.

You'd need roughly $1,509 in Agana Heights and $1,248 in Masterton 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.

Supermarket bills run roughly 43% higher in Agana Heights. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,006 per month in Agana Heights versus $832 in Masterton – a 21% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $1,000 a month, though Masterton gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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 Masterton 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 Masterton gentler on the wallet – expenses run 21% less than in Agana Heights. Beyond cost, consider language, visa policies, and how big the international community is in each city.