Last update: Oct 2026

Cost of Living Comparison Between Agana Heights and Papamoa Beach

For one person, living is cheaper in Agana Heights: $1,006 a month against $2,053 in Papamoa Beach, rent and utilities included – about $12,600 less a year. Rent and utilities account for most of the difference.

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Cost of Living Index in Papamoa Beach
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Papamoa Beach Living Index

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Agana Heights

🇬🇺 Guam

$1,006

/mo nomad

Papamoa Beach

🇳🇿 New Zealand

$2,053

/mo nomad

Monthly Cost of Living

How much you'll spend in Agana Heights and in Papamoa Beach

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

Monthly costs for one person with rent: $1,006 in Agana Heights versus $2,053 in Papamoa Beach.

Agana Heights $1,006
Papamoa Beach $2,053

Estimated couple costs with rent: $1,356 in Agana Heights versus $3,092 in Papamoa Beach.

Agana Heights $1,356
Papamoa Beach $3,092

Monthly costs for a family of three with rent: $1,707 in Agana Heights versus $4,131 in Papamoa Beach.

Agana Heights $1,707
Papamoa Beach $4,131

Living in Agana Heights costs roughly 51% less than in Papamoa Beach, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Agana Heights is 25% below, Papamoa Beach is 52% above.

Meal at Budget Restaurant

$13.90 NZ$24.59

Three-Course Dinner for Two, Mid-Range

$67.3 NZ$119

Fast Food Meal (McDonalds, etc)

$8.75 NZ$15.48

Cappuccino

$3.43 NZ$6.06

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

$1.93 NZ$3.42

Water (0.33 liter bottle)

$1.71 NZ$3.03

Local Beer (0.5 liter draught)

$6.68 NZ$11.81

Imported Beer (0.33 liter bottle)

$6.82 NZ$12.06

Milk (1 liter)

$1.70 $1.70

$1.88 NZ$3.33

-9.57%

White Bread (500g)

$4.65 $4.65

$2.25 NZ$3.98

106.67%

Rice (white) (1kg)

$1.70 $1.70

$1.89 NZ$3.34

-10.05%

Eggs

$4.08 $4.08

$6.38 NZ$11.29

-36.05%

Local Cheese (1kg)

$25.94 $25.94

$8.80 NZ$15.56

194.77%

Chicken Fillets (1kg)

$6.60 $6.60

$9.98 NZ$17.66

-33.87%

Beef Round Steak (1kg)

$17.90 $17.90

$17.19 NZ$30.39

4.13%

Apples (1kg)

$3.99 $3.99

$2.83 NZ$5.01

40.99%

Banana (1kg)

$1.20 $1.20

$2.11 NZ$3.74

-43.13%

Oranges (1kg)

$1.92 $1.92

$2.96 NZ$5.24

-35.14%

Tomato (1kg)

$6.72 $6.72

$5.69 NZ$10.06

18.10%

Potato (1kg)

$2.82 $2.82

$2.15 NZ$3.80

31.16%

Onion (1kg)

$2.85 $2.85

$1.53 NZ$2.70

86.27%

Lettuce (1 head)

$4.07 $4.07

$2.02 NZ$3.58

101.49%

Water (1.5 liter bottle)

$2.02 $2.02

$1.09 NZ$1.92

85.32%

Cigarettes 20 Pack (Marlboro, Camel)

$9.81 $9.81

$26.81 NZ$47.41

-63.41%

Wine (Bottle)

$12.18 $12.18

$10.37 NZ$18.34

17.45%

Local Beer (0.5 liter bottle)

$1.84 $1.84

$2.76 NZ$4.89

-33.33%

Imported Beer (0.33 liter bottle)

$1.54 $1.54

$3.39 NZ$6.00

-54.57%

One-way Ticket (Public Transport)

$2.95 $2.95

$1.72 NZ$3.05

71.51%

Public Transport Monthly Pass (Regular Price)

$60.8 $60.8

$91.8 NZ$162

-33.79%

Taxi Start (Normal Tariff)

$10.08 $10.08

$2.29 NZ$4.05

340.17%

Taxi (Normal Tariff) (1km)

$2.02 NZ$3.57

Taxi 1hour Waiting (Normal Tariff)

$31.49 NZ$55.7

Gasoline (1 liter)

$1.82 NZ$3.22

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

$38.9K $38.9K

$24.8K NZ$43.9K

56.47%

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

$35.7K $35.7K

$21.6K NZ$38.3K

65.18%

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

$339 $339

$178 NZ$314

91.07%

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

$75.9 $75.9

$26.63 NZ$47.10

184.98%

Internet (50+ Mbps, Unlimited Data)

$97.4 $97.4

$49.80 NZ$88.1

95.58%

Gym Membership (Monthly)

$36.99 NZ$65.4

Cinema Ticket

$12.91 NZ$22.83

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

$1,104 NZ$1,952

International Primary School, 1 Child (Yearly)

$19.0K NZ$33.7K

Jeans (Levis 501 Or Similar)

$80.2 NZ$142

Summer Dress (H&M, Zara, etc)

$40.21 NZ$71.1

Sport Shoes (Adidas, Nike)

$93.8 NZ$166

Men's Leather Business Shoes

$109 NZ$193

1-bedroom Apartment, City Center (Monthly)

$847 NZ$1,498

1-bedroom Apartment, Outside City Center (Monthly)

$898 NZ$1,588

3-bedroom Apartment, City Center (Monthly)

$1,575 NZ$2,786

3-bedroom Apartment, Outside City Center (Monthly)

$1,562 NZ$2,762

Buy Apartment in City Center (m2)

$4,690 NZ$8,294

Buy Apartment Outside City Center (m2)

$3,670 NZ$6,490

20-Year Fixed Mortgage Interest Rate (Annual %)

5.37

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

Last update for Agana Heights: October 10, 2026

Last update for Papamoa Beach: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Agana Heights

–

Papamoa Beach

$898 43.7%

Groceries & Markets

Agana Heights

–

Papamoa Beach

$341 16.6%

Monthly Utilities & Internet

Agana Heights

–

Papamoa Beach

$254 12.4%

Eating Out

Agana Heights

–

Papamoa Beach

$240 11.7%

Clothing & Footwear

Agana Heights

–

Papamoa Beach

$146 7.1%

Getting Around

Agana Heights

–

Papamoa Beach

$111 5.4%

Sport & Entertainment

Agana Heights

–

Papamoa Beach

$63 3.1%

Good to know

🇬🇺 Agana Heights

🇳🇿 Papamoa Beach

🕒 Local time

08:34 8:34 AM

11:34 11:34 AM

3 h ahead of Agana Heights

🌤 Weather

👥 Population

3,940

25,272

💱 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 18, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

New Zealand Dollar exchange rates as of October 18, 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 Papamoa Beach 6,570 km ≈ 9 h nonstop flight

From you

Agana Heights
Papamoa Beach

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 Papamoa Beach: Cost of Living - Frequently Asked Questions

Agana Heights wins on cost – living expenses run 104% lower than in Papamoa Beach. 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 $3,080 in Papamoa Beach 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 $2,053 in Papamoa Beach – a 104% gap that adds up to real savings over time for anyone picking the cheaper option.

Shoppers in Papamoa Beach pay roughly 20% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,006 in Agana Heights versus $2,053 in Papamoa Beach, a $1,000 budget is realistic in Agana Heights but tight or insufficient in Papamoa Beach. 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 Papamoa Beach 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 104% less than in Papamoa Beach. Beyond cost, consider language, visa policies, and how big the international community is in each city.