Last update: Oct 2026

Cost of Living Comparison Between Agana Heights and Whangarei

For one person, living is cheaper in Agana Heights: $1,009 a month against $1,437 in Whangarei, rent and utilities included – about $5,100 less a year. Other living expenses account for most of the difference.

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Cost of Living Index in Whangarei
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Whangarei Living Index

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Agana Heights

🇬🇺 Guam

$1,009

/mo nomad

Whangarei

🇳🇿 New Zealand

$1,437

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,009 in Agana Heights versus $1,437 in Whangarei.

Agana Heights $1,009
Whangarei $1,437

Estimated couple costs with rent: $1,355 in Agana Heights versus $2,302 in Whangarei.

Agana Heights $1,355
Whangarei $2,302

Monthly costs for a family of three with rent: $1,701 in Agana Heights versus $3,167 in Whangarei.

Agana Heights $1,701
Whangarei $3,167

Living in Agana Heights costs roughly 30% less than in Whangarei, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Agana Heights is 25% below, Whangarei is 7% above.

Meal at Budget Restaurant

$12.15 NZ$21.65

Three-Course Dinner for Two, Mid-Range

$73.8 NZ$132

Fast Food Meal (McDonalds, etc)

$8.21 NZ$14.63

Cappuccino

$3.41 NZ$6.08

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

$2.00 NZ$3.56

Water (0.33 liter bottle)

$1.59 NZ$2.84

Local Beer (0.5 liter draught)

$5.98 NZ$10.65

Imported Beer (0.33 liter bottle)

$5.53 NZ$9.85

Milk (1 liter)

$1.75 $1.75

$1.48 NZ$2.63

18.24%

White Bread (500g)

$4.76 $4.76

$1.30 NZ$2.31

266.15%

Rice (white) (1kg)

$1.77 $1.77

$1.62 NZ$2.89

9.26%

Eggs

$3.91 $3.91

$5.30 NZ$9.44

-26.23%

Local Cheese (1kg)

$26.95 $26.95

$5.60 NZ$9.98

381.25%

Chicken Fillets (1kg)

$6.46 $6.46

$7.40 NZ$13.18

-12.70%

Beef Round Steak (1kg)

$17.29 $17.29

$14.64 NZ$26.09

18.10%

Apples (1kg)

$3.88 $3.88

$2.62 NZ$4.68

48.09%

Banana (1kg)

$1.17 $1.17

$2.15 NZ$3.83

-45.58%

Oranges (1kg)

$1.91 $1.91

$2.99 NZ$5.32

-36.12%

Tomato (1kg)

$6.49 $6.49

$2.92 NZ$5.20

122.26%

Potato (1kg)

$2.78 $2.78

$2.23 NZ$3.97

24.66%

Onion (1kg)

$2.80 $2.80

$1.72 NZ$3.06

62.79%

Lettuce (1 head)

$4.06 $4.06

$1.64 NZ$2.92

147.56%

Water (1.5 liter bottle)

$1.96 $1.96

$1.21 NZ$2.15

61.98%

Cigarettes 20 Pack (Marlboro, Camel)

$9.85 $9.85

$25.58 NZ$45.58

-61.49%

Wine (Bottle)

$12.03 $12.03

$9.36 NZ$16.68

28.53%

Local Beer (0.5 liter bottle)

$1.74 $1.74

$2.22 NZ$3.95

-21.62%

Imported Beer (0.33 liter bottle)

$1.53 $1.53

$2.81 NZ$5.01

-45.55%

One-way Ticket (Public Transport)

$2.97 $2.97

$1.66 NZ$2.96

78.92%

Public Transport Monthly Pass (Regular Price)

$60.3 $60.3

$127 NZ$226

-52.46%

Taxi Start (Normal Tariff)

$9.83 $9.83

$3.71 NZ$6.61

164.96%

Taxi (Normal Tariff) (1km)

$1.63 NZ$2.91

Taxi 1hour Waiting (Normal Tariff)

$13.35 NZ$23.79

Gasoline (1 liter)

$1.70 NZ$3.02

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

$38.4K $38.4K

$26.8K NZ$47.7K

43.38%

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

$34.9K $34.9K

$21.7K NZ$38.7K

60.67%

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

$342 $342

$152 NZ$271

124.73%

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

$75.6 $75.6

$27.05 NZ$48.20

179.41%

Internet (50+ Mbps, Unlimited Data)

$96.5 $96.5

$50.1 NZ$89.3

92.48%

Gym Membership (Monthly)

$35.43 NZ$63.1

Tennis Court (1 Hour on Weekend)

$2.75 NZ$4.90

Cinema Ticket

$10.22 NZ$18.21

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

$695 NZ$1,239

International Primary School, 1 Child (Yearly)

$22.1K NZ$39.4K

Jeans (Levis 501 Or Similar)

$70.0 NZ$125

Summer Dress (H&M, Zara, etc)

$32.07 NZ$57.2

Sport Shoes (Adidas, Nike)

$69.6 NZ$124

Men's Leather Business Shoes

$92.2 NZ$164

1-bedroom Apartment, City Center (Monthly)

$418 NZ$745

1-bedroom Apartment, Outside City Center (Monthly)

$408 NZ$726

3-bedroom Apartment, City Center (Monthly)

$753 NZ$1,342

3-bedroom Apartment, Outside City Center (Monthly)

$750 NZ$1,336

Buy Apartment in City Center (m2)

$4,306 NZ$7,673

Buy Apartment Outside City Center (m2)

$3,210 NZ$5,720

Average Monthly Net Salary (After Tax)

$2,283 NZ$4,068

20-Year Fixed Mortgage Interest Rate (Annual %)

5.75

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

Last update for Agana Heights: October 3, 2026

Last update for Whangarei: October 6, 2026

Monthly budget structure

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

Accommodation & Living

Agana Heights

–

Whangarei

$408 28.2%

Groceries & Markets

Agana Heights

–

Whangarei

$272 18.8%

Monthly Utilities & Internet

Agana Heights

–

Whangarei

$230 15.9%

Eating Out

Agana Heights

–

Whangarei

$218 15.1%

Getting Around

Agana Heights

–

Whangarei

$145 10.1%

Clothing & Footwear

Agana Heights

–

Whangarei

$119 8.2%

Sport & Entertainment

Agana Heights

–

Whangarei

$56 3.9%

Good to know

🇬🇺 Agana Heights

🇳🇿 Whangarei

🕒 Local time

22:38 10:38 PM

01:38 1:38 AM

3 h ahead of Agana Heights

🌤 Weather

👥 Population

3,940

54,300

💱 Currency

United States Dollar USD $

New Zealand Dollar NZD $

📈 Exchange rate

1 USD = 0.892 EUR

1 NZD = 0.561 USD

1 NZD = 0.501 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 10, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

New Zealand Dollar exchange rates as of October 10, 2026: 1 USD = 1.78 NZD (1 NZD = 0.561 USD). 1 EUR = 2 NZD (1 NZD = 0.501 EUR).

NZD to USD in detail →

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Agana Heights Whangarei 6,290 km ≈ 8 h nonstop flight

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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 Whangarei: Cost of Living - Frequently Asked Questions

Agana Heights wins on cost – living expenses run 42% lower than in Whangarei. 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 $1,513 in Agana Heights and $2,155 in Whangarei 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 $1,009 per month in Agana Heights versus $1,437 in Whangarei – a 42% gap that adds up to real savings over time for anyone picking the cheaper option.

Shoppers in Whangarei pay roughly 50% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,009 in Agana Heights versus $1,437 in Whangarei, a $1,000 budget is realistic in Agana Heights but tight or insufficient in Whangarei. 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 Whangarei 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 42% less than in Whangarei. Beyond cost, consider language, visa policies, and how big the international community is in each city.