Last update: Oct 2026

Cost of Living Comparison Between Agana Heights and Upper Hutt

For one person, living is cheaper in Agana Heights: $1,006 a month against $1,830 in Upper Hutt, rent and utilities included – about $9,900 less a year. Rent and utilities account for most of the difference.

91

Cost of Living Index in Upper Hutt
Learn more

Upper Hutt Living Index

Jump to prices

Agana Heights

🇬🇺 Guam

$1,006

/mo nomad

Upper Hutt

🇳🇿 New Zealand

$1,830

/mo nomad

Monthly Cost of Living

How much you'll spend in Agana Heights and in Upper 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 Upper Hutt actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,006 in Agana Heights versus $1,830 in Upper Hutt.

Agana Heights $1,006
Upper Hutt $1,830

Estimated couple costs with rent: $1,356 in Agana Heights versus $2,844 in Upper Hutt.

Agana Heights $1,356
Upper Hutt $2,844

Monthly costs for a family of three with rent: $1,707 in Agana Heights versus $3,857 in Upper Hutt.

Agana Heights $1,707
Upper Hutt $3,857

Living in Agana Heights costs roughly 45% less than in Upper Hutt, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Agana Heights is 25% below, Upper Hutt is 36% above.

Meal at Budget Restaurant

$8.28 NZ$14.64

Three-Course Dinner for Two, Mid-Range

$55.8 NZ$98.7

Fast Food Meal (McDonalds, etc)

$8.43 NZ$14.91

Cappuccino

$2.83 NZ$5.00

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

$2.48 NZ$4.38

Water (0.33 liter bottle)

$1.69 NZ$2.98

Local Beer (0.5 liter draught)

$7.36 NZ$13.02

Imported Beer (0.33 liter bottle)

$6.55 NZ$11.58

Milk (1 liter)

$1.70 $1.70

$1.85 NZ$3.27

-8.11%

White Bread (500g)

$4.65 $4.65

$2.13 NZ$3.77

118.31%

Rice (white) (1kg)

$1.70 $1.70

$1.89 NZ$3.35

-10.05%

Eggs

$4.08 $4.08

$6.72 NZ$11.88

-39.29%

Local Cheese (1kg)

$25.94 $25.94

$5.49 NZ$9.71

372.50%

Chicken Fillets (1kg)

$6.60 $6.60

$9.71 NZ$17.17

-32.03%

Beef Round Steak (1kg)

$17.90 $17.90

$15.01 NZ$26.55

19.25%

Apples (1kg)

$3.99 $3.99

$3.14 NZ$5.55

27.07%

Banana (1kg)

$1.20 $1.20

$2.14 NZ$3.78

-43.93%

Oranges (1kg)

$1.92 $1.92

$2.96 NZ$5.23

-35.14%

Tomato (1kg)

$6.72 $6.72

$6.54 NZ$11.56

2.75%

Potato (1kg)

$2.82 $2.82

$2.09 NZ$3.69

34.93%

Onion (1kg)

$2.85 $2.85

$1.23 NZ$2.18

131.71%

Lettuce (1 head)

$4.07 $4.07

$2.08 NZ$3.68

95.67%

Water (1.5 liter bottle)

$2.02 $2.02

$1.19 NZ$2.11

69.75%

Cigarettes 20 Pack (Marlboro, Camel)

$9.81 $9.81

$25.35 NZ$44.83

-61.30%

Wine (Bottle)

$12.18 $12.18

$11.10 NZ$19.63

9.73%

Local Beer (0.5 liter bottle)

$1.84 $1.84

$3.13 NZ$5.53

-41.21%

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

$1.49 NZ$2.63

97.99%

Public Transport Monthly Pass (Regular Price)

$60.8 $60.8

$82.7 NZ$146

-26.53%

Taxi Start (Normal Tariff)

$10.08 $10.08

$1.86 NZ$3.29

441.94%

Taxi (Normal Tariff) (1km)

$1.74 NZ$3.08

Taxi 1hour Waiting (Normal Tariff)

$33.07 NZ$58.5

Gasoline (1 liter)

$1.87 NZ$3.31

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

$38.9K $38.9K

$25.2K NZ$44.6K

54.07%

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

$35.7K $35.7K

$25.1K NZ$44.3K

42.63%

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

$339 $339

$109 NZ$192

212.77%

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

$75.9 $75.9

$25.17 NZ$44.52

201.51%

Internet (50+ Mbps, Unlimited Data)

$97.4 $97.4

$53.1 NZ$93.9

83.39%

Gym Membership (Monthly)

$36.65 NZ$64.8

Cinema Ticket

$12.00 NZ$21.22

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

$1,074 NZ$1,899

International Primary School, 1 Child (Yearly)

$12.8K NZ$22.7K

Jeans (Levis 501 Or Similar)

$78.5 NZ$139

Summer Dress (H&M, Zara, etc)

$28.14 NZ$49.77

Sport Shoes (Adidas, Nike)

$103 NZ$183

Men's Leather Business Shoes

$155 NZ$274

1-bedroom Apartment, City Center (Monthly)

$910 NZ$1,609

1-bedroom Apartment, Outside City Center (Monthly)

$795 NZ$1,407

3-bedroom Apartment, City Center (Monthly)

$1,733 NZ$3,065

3-bedroom Apartment, Outside City Center (Monthly)

$1,537 NZ$2,719

Buy Apartment in City Center (m2)

$5,062 NZ$8,953

Buy Apartment Outside City Center (m2)

$3,581 NZ$6,332

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 Upper Hutt: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Agana Heights

–

Upper Hutt

$795 43.5%

Groceries & Markets

Agana Heights

–

Upper Hutt

$332 18.1%

Eating Out

Agana Heights

–

Upper Hutt

$192 10.5%

Monthly Utilities & Internet

Agana Heights

–

Upper Hutt

$187 10.2%

Clothing & Footwear

Agana Heights

–

Upper Hutt

$164 9%

Getting Around

Agana Heights

–

Upper Hutt

$99 5.4%

Sport & Entertainment

Agana Heights

–

Upper Hutt

$61 3.3%

Good to know

🇬🇺 Agana Heights

🇳🇿 Upper Hutt

🕒 Local time

06:22 6:22 AM

09:22 9:22 AM

3 h ahead of Agana Heights

🌤 Weather

👥 Population

3,940

44,600

💱 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

Lowest

Highest

Between locations

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

From you

Agana Heights
Upper 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 Upper Hutt: Cost of Living - Frequently Asked Questions

Agana Heights wins on cost – living expenses run 82% lower than in Upper 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 $2,746 in Upper 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 $1,830 in Upper Hutt – a 82% gap that adds up to real savings over time for anyone picking the cheaper option.

Shoppers in Upper Hutt pay roughly 24% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,006 in Agana Heights versus $1,830 in Upper Hutt, a $1,000 budget is realistic in Agana Heights but tight or insufficient in Upper 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 Upper 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 82% less than in Upper Hutt. Beyond cost, consider language, visa policies, and how big the international community is in each city.