Last update: Oct 2026

Cost of Living Comparison Between Agana Heights and Napier

For one person, living is cheaper in Agana Heights: $1,006 a month against $2,192 in Napier, rent and utilities included – about $14,200 less a year. Rent and utilities account for most of the difference.

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Cost of Living Index in Napier
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Napier Living Index

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Agana Heights

🇬🇺 Guam

$1,006

/mo nomad

Napier

🇳🇿 New Zealand

$2,192

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,006 in Agana Heights versus $2,192 in Napier.

Agana Heights $1,006
Napier $2,192

Estimated couple costs with rent: $1,356 in Agana Heights versus $3,179 in Napier.

Agana Heights $1,356
Napier $3,179

Monthly costs for a family of three with rent: $1,707 in Agana Heights versus $4,165 in Napier.

Agana Heights $1,707
Napier $4,165

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

The two cities straddle the global median: Agana Heights is 25% below, Napier is 62% above.

Meal at Budget Restaurant

$18.79 NZ$33.22

Three-Course Dinner for Two, Mid-Range

$92.3 NZ$163

Fast Food Meal (McDonalds, etc)

$9.46 NZ$16.72

Cappuccino

$3.30 NZ$5.84

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

$2.19 NZ$3.88

Water (0.33 liter bottle)

$2.30 NZ$4.07

Local Beer (0.5 liter draught)

$6.54 NZ$11.57

Imported Beer (0.33 liter bottle)

$5.71 NZ$10.10

Milk (1 liter)

$1.70 $1.70

$1.60 NZ$2.83

6.25%

White Bread (500g)

$4.65 $4.65

$1.46 NZ$2.58

218.49%

Rice (white) (1kg)

$1.70 $1.70

$1.46 NZ$2.58

16.44%

Eggs

$4.08 $4.08

$5.85 NZ$10.35

-30.26%

Local Cheese (1kg)

$25.94 $25.94

$7.38 NZ$13.05

251.49%

Chicken Fillets (1kg)

$6.60 $6.60

$8.40 NZ$14.85

-21.43%

Beef Round Steak (1kg)

$17.90 $17.90

$12.47 NZ$22.04

43.54%

Apples (1kg)

$3.99 $3.99

$2.24 NZ$3.96

78.12%

Banana (1kg)

$1.20 $1.20

$1.60 NZ$2.83

-25.00%

Oranges (1kg)

$1.92 $1.92

$3.07 NZ$5.44

-37.46%

Tomato (1kg)

$6.72 $6.72

$2.86 NZ$5.06

134.97%

Potato (1kg)

$2.82 $2.82

$1.73 NZ$3.06

63.01%

Onion (1kg)

$2.85 $2.85

$2.53 NZ$4.48

12.65%

Lettuce (1 head)

$4.07 $4.07

$1.91 NZ$3.38

113.09%

Water (1.5 liter bottle)

$2.02 $2.02

$1.22 NZ$2.16

65.57%

Cigarettes 20 Pack (Marlboro, Camel)

$9.81 $9.81

$19.90 NZ$35.20

-50.70%

Wine (Bottle)

$12.18 $12.18

$8.18 NZ$14.47

48.90%

Local Beer (0.5 liter bottle)

$1.84 $1.84

$2.50 NZ$4.43

-26.40%

Imported Beer (0.33 liter bottle)

$1.54 $1.54

$2.42 NZ$4.29

-36.36%

One-way Ticket (Public Transport)

$2.95 $2.95

$1.73 NZ$3.05

70.52%

Public Transport Monthly Pass (Regular Price)

$60.8 $60.8

$82.4 NZ$146

-26.28%

Taxi Start (Normal Tariff)

$10.08 $10.08

$2.25 NZ$3.99

348.00%

Taxi (Normal Tariff) (1km)

$1.87 NZ$3.30

Taxi 1hour Waiting (Normal Tariff)

$30.98 NZ$54.8

Gasoline (1 liter)

$1.57 NZ$2.77

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

$38.9K $38.9K

$25.3K NZ$44.8K

53.32%

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

$35.7K $35.7K

$23.5K NZ$41.6K

51.83%

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

$339 $339

$186 NZ$328

82.75%

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

$75.9 $75.9

$34.40 NZ$60.8

120.61%

Internet (50+ Mbps, Unlimited Data)

$97.4 $97.4

$48.56 NZ$85.9

100.58%

Gym Membership (Monthly)

$32.97 NZ$58.3

Tennis Court (1 Hour on Weekend)

$10.51 NZ$18.58

Cinema Ticket

$8.31 NZ$14.70

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

$660 NZ$1,167

International Primary School, 1 Child (Yearly)

$16.6K NZ$29.3K

Jeans (Levis 501 Or Similar)

$106 NZ$188

Summer Dress (H&M, Zara, etc)

$53.2 NZ$94.1

Sport Shoes (Adidas, Nike)

$104 NZ$183

Men's Leather Business Shoes

$119 NZ$210

1-bedroom Apartment, City Center (Monthly)

$1,212 NZ$2,143

1-bedroom Apartment, Outside City Center (Monthly)

$1,046 NZ$1,849

3-bedroom Apartment, City Center (Monthly)

$1,656 NZ$2,928

3-bedroom Apartment, Outside City Center (Monthly)

$1,493 NZ$2,640

Buy Apartment in City Center (m2)

$4,715 NZ$8,339

Buy Apartment Outside City Center (m2)

$3,238 NZ$5,726

Average Monthly Net Salary (After Tax)

$2,953 NZ$5,223

20-Year Fixed Mortgage Interest Rate (Annual %)

6.54

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

Last update for Agana Heights: October 10, 2026

Last update for Napier: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Agana Heights

–

Napier

$1K 47.7%

Eating Out

Agana Heights

–

Napier

$280 12.8%

Groceries & Markets

Agana Heights

–

Napier

$275 12.6%

Monthly Utilities & Internet

Agana Heights

–

Napier

$269 12.3%

Clothing & Footwear

Agana Heights

–

Napier

$172 7.8%

Getting Around

Agana Heights

–

Napier

$101 4.6%

Sport & Entertainment

Agana Heights

–

Napier

$50 2.3%

Good to know

🇬🇺 Agana Heights

🇳🇿 Napier

🕒 Local time

07:09 7:09 AM

10:09 10:09 AM

3 h ahead of Agana Heights

🌤 Weather

👥 Population

3,940

65,000

💱 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 →

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Between locations

Agana Heights Napier 6,770 km ≈ 9 h nonstop flight

From you

Agana Heights
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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 Napier: Cost of Living - Frequently Asked Questions

Agana Heights wins on cost – living expenses run 118% lower than in Napier. 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 $3,288 in Napier 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 $2,192 in Napier – a 118% gap that adds up to real savings over time for anyone picking the cheaper option.

Shoppers in Napier pay roughly 49% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,006 in Agana Heights versus $2,192 in Napier, a $1,000 budget is realistic in Agana Heights but tight or insufficient in Napier. 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 Napier 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 118% less than in Napier. Beyond cost, consider language, visa policies, and how big the international community is in each city.