Last update: Oct 2026

Cost of Living Comparison Between Agana Heights and Waihi

For one person, living is cheaper in Agana Heights: $1,006 a month against $1,911 in Waihi, rent and utilities included – about $10,900 less a year. Rent and utilities account for most of the difference.

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Cost of Living Index in Waihi
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Waihi Living Index

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Agana Heights

🇬🇺 Guam

$1,006

/mo nomad

Waihi

🇳🇿 New Zealand

$1,911

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,006 in Agana Heights versus $1,911 in Waihi.

Agana Heights $1,006
Waihi $1,911

Estimated couple costs with rent: $1,356 in Agana Heights versus $2,937 in Waihi.

Agana Heights $1,356
Waihi $2,937

Monthly costs for a family of three with rent: $1,707 in Agana Heights versus $3,963 in Waihi.

Agana Heights $1,707
Waihi $3,963

Living in Agana Heights costs roughly 47% less than in Waihi, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Agana Heights is 25% below, Waihi is 42% above.

Meal at Budget Restaurant

$12.00 NZ$21.22

Three-Course Dinner for Two, Mid-Range

$59.7 NZ$105

Fast Food Meal (McDonalds, etc)

$8.35 NZ$14.77

Cappuccino

$3.69 NZ$6.53

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

$2.22 NZ$3.92

Water (0.33 liter bottle)

$2.04 NZ$3.61

Local Beer (0.5 liter draught)

$5.72 NZ$10.12

Imported Beer (0.33 liter bottle)

$6.49 NZ$11.47

Milk (1 liter)

$1.70 $1.70

$1.93 NZ$3.41

-11.92%

White Bread (500g)

$4.65 $4.65

$1.78 NZ$3.16

161.24%

Rice (white) (1kg)

$1.70 $1.70

$1.62 NZ$2.86

4.94%

Eggs

$4.08 $4.08

$5.12 NZ$9.06

-20.31%

Local Cheese (1kg)

$25.94 $25.94

$9.35 NZ$16.53

177.43%

Chicken Fillets (1kg)

$6.60 $6.60

$8.53 NZ$15.09

-22.63%

Beef Round Steak (1kg)

$17.90 $17.90

$12.78 NZ$22.60

40.06%

Apples (1kg)

$3.99 $3.99

$2.80 NZ$4.95

42.50%

Banana (1kg)

$1.20 $1.20

$2.25 NZ$3.98

-46.67%

Oranges (1kg)

$1.92 $1.92

$3.16 NZ$5.59

-39.24%

Tomato (1kg)

$6.72 $6.72

$5.86 NZ$10.36

14.68%

Potato (1kg)

$2.82 $2.82

$1.97 NZ$3.49

43.15%

Onion (1kg)

$2.85 $2.85

$1.58 NZ$2.79

80.38%

Lettuce (1 head)

$4.07 $4.07

$2.32 NZ$4.10

75.43%

Water (1.5 liter bottle)

$2.02 $2.02

$1.12 NZ$1.97

80.36%

Cigarettes 20 Pack (Marlboro, Camel)

$9.81 $9.81

$22.08 NZ$39.04

-55.57%

Wine (Bottle)

$12.18 $12.18

$9.83 NZ$17.38

23.91%

Local Beer (0.5 liter bottle)

$1.84 $1.84

$3.03 NZ$5.35

-39.27%

Imported Beer (0.33 liter bottle)

$1.54 $1.54

$3.14 NZ$5.55

-50.96%

One-way Ticket (Public Transport)

$2.95 $2.95

$1.93 NZ$3.41

52.85%

Public Transport Monthly Pass (Regular Price)

$60.8 $60.8

$85.1 NZ$151

-28.62%

Taxi Start (Normal Tariff)

$10.08 $10.08

$1.96 NZ$3.47

414.29%

Taxi (Normal Tariff) (1km)

$1.99 NZ$3.53

Taxi 1hour Waiting (Normal Tariff)

$27.15 NZ$48.02

Gasoline (1 liter)

$1.72 NZ$3.04

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

$38.9K $38.9K

$21.9K NZ$38.7K

77.45%

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

$35.7K $35.7K

$19.8K NZ$35.0K

80.57%

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

$339 $339

$117 NZ$206

191.05%

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

$75.9 $75.9

$31.18 NZ$55.1

143.39%

Internet (50+ Mbps, Unlimited Data)

$97.4 $97.4

$56.0 NZ$99.1

73.90%

Gym Membership (Monthly)

$35.97 NZ$63.6

Cinema Ticket

$11.32 NZ$20.02

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

$647 NZ$1,144

International Primary School, 1 Child (Yearly)

$16.8K NZ$29.6K

Jeans (Levis 501 Or Similar)

$56.9 NZ$101

Summer Dress (H&M, Zara, etc)

$38.94 NZ$68.9

Sport Shoes (Adidas, Nike)

$106 NZ$187

Men's Leather Business Shoes

$108 NZ$190

1-bedroom Apartment, City Center (Monthly)

$1,031 NZ$1,823

1-bedroom Apartment, Outside City Center (Monthly)

$865 NZ$1,530

3-bedroom Apartment, City Center (Monthly)

$1,621 NZ$2,867

3-bedroom Apartment, Outside City Center (Monthly)

$1,616 NZ$2,858

Buy Apartment in City Center (m2)

$4,404 NZ$7,789

Buy Apartment Outside City Center (m2)

$3,353 NZ$5,929

20-Year Fixed Mortgage Interest Rate (Annual %)

5.57

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

Last update for Agana Heights: October 10, 2026

Last update for Waihi: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Agana Heights

–

Waihi

$865 45.3%

Groceries & Markets

Agana Heights

–

Waihi

$315 16.5%

Eating Out

Agana Heights

–

Waihi

$224 11.7%

Monthly Utilities & Internet

Agana Heights

–

Waihi

$204 10.7%

Clothing & Footwear

Agana Heights

–

Waihi

$139 7.3%

Getting Around

Agana Heights

–

Waihi

$105 5.5%

Sport & Entertainment

Agana Heights

–

Waihi

$59 3.1%

Good to know

🇬🇺 Agana Heights

🇳🇿 Waihi

🕒 Local time

10:13 10:13 AM

13:13 1:13 PM

3 h ahead of Agana Heights

🌤 Weather

👥 Population

3,940

4,700

💱 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 19, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

New Zealand Dollar exchange rates as of October 19, 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 Waihi 6,520 km ≈ 9 h nonstop flight

From you

Agana Heights
Waihi

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 Waihi: Cost of Living - Frequently Asked Questions

Agana Heights wins on cost – living expenses run 90% lower than in Waihi. 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 $2,866 in Waihi 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 $1,911 in Waihi – a 90% gap that adds up to real savings over time for anyone picking the cheaper option.

Shoppers in Waihi pay roughly 30% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,006 in Agana Heights versus $1,911 in Waihi, a $1,000 budget is realistic in Agana Heights but tight or insufficient in Waihi. 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 Waihi 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 90% less than in Waihi. Beyond cost, consider language, visa policies, and how big the international community is in each city.