Last update: Oct 2026

Cost of Living Comparison Between Cambridge and Agana Heights

For one person, living is cheaper in Agana Heights: $1,006 a month against $2,044 in Cambridge, rent and utilities included – about $12,500 less a year. Rent and utilities account for most of the difference.

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Cost of Living Index in Cambridge
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Cambridge Living Index

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Cambridge

🇳🇿 New Zealand

$2,044

/mo nomad

Agana Heights

🇬🇺 Guam

$1,006

/mo nomad

Monthly Cost of Living

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

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Cambridge and in Agana Heights actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,044 in Cambridge versus $1,006 in Agana Heights.

Cambridge $2,044
Agana Heights $1,006

Estimated couple costs with rent: $2,830 in Cambridge versus $1,356 in Agana Heights.

Cambridge $2,830
Agana Heights $1,356

Monthly costs for a family of three with rent: $3,617 in Cambridge versus $1,707 in Agana Heights.

Cambridge $3,617
Agana Heights $1,707

Living in Cambridge is roughly 103% more expensive than in Agana Heights, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Cambridge is 51% above, Agana Heights is 25% below.

Meal at Budget Restaurant

$13.75 NZ$24.32

Three-Course Dinner for Two, Mid-Range

$68.4 NZ$121

Fast Food Meal (McDonalds, etc)

$8.74 NZ$15.45

Cappuccino

$3.45 NZ$6.10

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

$1.93 NZ$3.41

Water (0.33 liter bottle)

$1.99 NZ$3.52

Local Beer (0.5 liter draught)

$6.08 NZ$10.75

Imported Beer (0.33 liter bottle)

$6.63 NZ$11.73

Milk (1 liter)

$1.51 NZ$2.67

$1.70 $1.70

-11.18%

White Bread (500g)

$2.23 NZ$3.94

$4.65 $4.65

-52.04%

Rice (white) (1kg)

$1.89 NZ$3.34

$1.70 $1.70

11.18%

Eggs

$5.95 NZ$10.53

$4.08 $4.08

45.83%

Local Cheese (1kg)

$8.33 NZ$14.73

$25.94 $25.94

-67.89%

Chicken Fillets (1kg)

$9.43 NZ$16.68

$6.60 $6.60

42.88%

Beef Round Steak (1kg)

$13.01 NZ$23.01

$17.90 $17.90

-27.32%

Apples (1kg)

$2.55 NZ$4.50

$3.99 $3.99

-36.09%

Banana (1kg)

$2.28 NZ$4.04

$1.20 $1.20

90.00%

Oranges (1kg)

$3.02 NZ$5.34

$1.92 $1.92

57.29%

Tomato (1kg)

$5.65 NZ$9.99

$6.72 $6.72

-15.92%

Potato (1kg)

$2.11 NZ$3.73

$2.82 $2.82

-25.18%

Onion (1kg)

$1.56 NZ$2.76

$2.85 $2.85

-45.26%

Lettuce (1 head)

$2.27 NZ$4.02

$4.07 $4.07

-44.23%

Water (1.5 liter bottle)

$1.08 NZ$1.92

$2.02 $2.02

-46.53%

Cigarettes 20 Pack (Marlboro, Camel)

$25.11 NZ$44.41

$9.81 $9.81

155.96%

Wine (Bottle)

$10.40 NZ$18.39

$12.18 $12.18

-14.61%

Local Beer (0.5 liter bottle)

$3.44 NZ$6.08

$1.84 $1.84

86.96%

Imported Beer (0.33 liter bottle)

$3.84 NZ$6.79

$1.54 $1.54

149.35%

One-way Ticket (Public Transport)

$2.72 NZ$4.81

$2.95 $2.95

-7.80%

Public Transport Monthly Pass (Regular Price)

$60.8 $60.8

Taxi Start (Normal Tariff)

$2.18 NZ$3.85

$10.08 $10.08

-78.37%

Taxi (Normal Tariff) (1km)

$1.94 NZ$3.43

Taxi 1hour Waiting (Normal Tariff)

$31.37 NZ$55.5

Gasoline (1 liter)

$1.70 NZ$3.00

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

$25.1K NZ$44.4K

$38.9K $38.9K

-35.34%

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

$22.1K NZ$39.1K

$35.7K $35.7K

-38.13%

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

$99.4 NZ$176

$339 $339

-70.72%

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

$26.44 NZ$46.77

$75.9 $75.9

-65.16%

Internet (50+ Mbps, Unlimited Data)

$50.8 NZ$89.8

$97.4 $97.4

-47.86%

Cinema Ticket

$13.51 NZ$23.90

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

$673 NZ$1,190

International Primary School, 1 Child (Yearly)

$19.3K NZ$34.1K

Jeans (Levis 501 Or Similar)

$62.0 NZ$110

Summer Dress (H&M, Zara, etc)

$37.37 NZ$66.1

Sport Shoes (Adidas, Nike)

$93.1 NZ$165

Men's Leather Business Shoes

$105 NZ$186

1-bedroom Apartment, City Center (Monthly)

$584 NZ$1,033

1-bedroom Apartment, Outside City Center (Monthly)

$1,122 NZ$1,985

3-bedroom Apartment, City Center (Monthly)

$1,158 NZ$2,048

3-bedroom Apartment, Outside City Center (Monthly)

$1,449 NZ$2,563

Buy Apartment in City Center (m2)

$4,539 NZ$8,027

Buy Apartment Outside City Center (m2)

$3,931 NZ$6,953

Average Monthly Net Salary (After Tax)

$2,585 NZ$4,571

20-Year Fixed Mortgage Interest Rate (Annual %)

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

Last update for Cambridge: October 12, 2026

Last update for Agana Heights: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Cambridge

$1.1K 54.9%

Agana Heights

–

Groceries & Markets

Cambridge

$324 15.9%

Agana Heights

–

Eating Out

Cambridge

$237 11.6%

Agana Heights

–

Monthly Utilities & Internet

Cambridge

$177 8.6%

Agana Heights

–

Clothing & Footwear

Cambridge

$134 6.6%

Agana Heights

–

Sport & Entertainment

Cambridge

$27 * 1.3%

Agana Heights

–

Getting Around

Cambridge

$23 * 1.1%

Agana Heights

–

Categories marked with * are only partly priced – their share counts the items that do have prices.

Good to know

🇳🇿 Cambridge

🇬🇺 Agana Heights

🕒 Local time

12:45 12:45 PM

09:45 9:45 AM

3 h behind Cambridge

🌤 Weather

👥 Population

21,400

3,940

💱 Currency

New Zealand Dollar NZD $

United States Dollar USD $

📈 Exchange rate

1 NZD = 0.565 USD

1 NZD = 0.503 EUR

1 USD = 0.89 EUR

Exchange rates and currency converter

USD, EUR to NZD – New Zealand Dollar Converter

🇺🇸 United States Dollar ($)

🇳🇿 New Zealand Dollar ($)

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).

United States Dollar exchange rates as of October 17, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to NZD in detail →

On the map

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Highest

Between locations

Cambridge Agana Heights 6,550 km ≈ 9 h nonstop flight

From you

Cambridge
Agana Heights

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

Cambridge vs Agana Heights: Cost of Living - Frequently Asked Questions

Agana Heights wins on cost – living expenses run 103% lower than in Cambridge. 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 $3,065 in Cambridge and $1,509 in Agana Heights 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.

Shoppers in Cambridge pay roughly 27% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

All in, you'll spend $2,044 per month in Cambridge versus $1,006 in Agana Heights – a 103% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,006 in Agana Heights versus $2,044 in Cambridge, a $1,000 budget is realistic in Agana Heights but tight or insufficient in Cambridge. 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, Cambridge and Agana Heights 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 103% less than in Cambridge. Beyond cost, consider language, visa policies, and how big the international community is in each city.