Last update: Oct 2026

Cost of Living Comparison Between Dunedin and Agana Heights

For one person, living is cheaper in Agana Heights: $1,009 a month against $1,821 in Dunedin, rent and utilities included – about $9,700 less a year. Rent and utilities account for about half of the difference.

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Cost of Living Index in Dunedin
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Dunedin Living Index

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Dunedin

🇳🇿 New Zealand

$1,821

/mo nomad

Agana Heights

🇬🇺 Guam

$1,009

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,821 in Dunedin versus $1,009 in Agana Heights.

Dunedin $1,821
Agana Heights $1,009

Estimated couple costs with rent: $2,717 in Dunedin versus $1,355 in Agana Heights.

Dunedin $2,717
Agana Heights $1,355

Monthly costs for a family of three with rent: $3,613 in Dunedin versus $1,701 in Agana Heights.

Dunedin $3,613
Agana Heights $1,701

Living in Dunedin is roughly 81% more expensive than in Agana Heights, and outside of rent the biggest gap is in eating out.

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

Meal at Budget Restaurant

$13.73 NZ$24.47

Three-Course Dinner for Two, Mid-Range

$61.8 NZ$110

Fast Food Meal (McDonalds, etc)

$11.42 NZ$20.35

Cappuccino

$3.23 NZ$5.75

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

$2.08 NZ$3.71

Water (0.33 liter bottle)

$2.09 NZ$3.72

Local Beer (0.5 liter draught)

$6.85 NZ$12.21

Imported Beer (0.33 liter bottle)

$6.02 NZ$10.72

Milk (1 liter)

$2.18 NZ$3.88

$1.75 $1.75

24.57%

White Bread (500g)

$1.94 NZ$3.46

$4.76 $4.76

-59.24%

Rice (white) (1kg)

$1.75 NZ$3.12

$1.77 $1.77

-1.13%

Eggs

$5.83 NZ$10.39

$3.91 $3.91

49.10%

Local Cheese (1kg)

$8.15 NZ$14.52

$26.95 $26.95

-69.76%

Chicken Fillets (1kg)

$9.43 NZ$16.80

$6.46 $6.46

45.98%

Beef Round Steak (1kg)

$16.55 NZ$29.49

$17.29 $17.29

-4.28%

Apples (1kg)

$2.87 NZ$5.12

$3.88 $3.88

-26.03%

Banana (1kg)

$2.34 NZ$4.17

$1.17 $1.17

100.00%

Oranges (1kg)

$3.10 NZ$5.52

$1.91 $1.91

62.30%

Tomato (1kg)

$5.04 NZ$8.99

$6.49 $6.49

-22.34%

Potato (1kg)

$1.83 NZ$3.26

$2.78 $2.78

-34.17%

Onion (1kg)

$1.84 NZ$3.28

$2.80 $2.80

-34.29%

Lettuce (1 head)

$2.38 NZ$4.24

$4.06 $4.06

-41.38%

Water (1.5 liter bottle)

$0.55 NZ$0.99

$1.96 $1.96

-71.94%

Cigarettes 20 Pack (Marlboro, Camel)

$20.93 NZ$37.29

$9.85 $9.85

112.49%

Wine (Bottle)

$8.87 NZ$15.81

$12.03 $12.03

-26.27%

Local Beer (0.5 liter bottle)

$3.17 NZ$5.64

$1.74 $1.74

82.18%

Imported Beer (0.33 liter bottle)

$1.24 NZ$2.22

$1.53 $1.53

-18.95%

One-way Ticket (Public Transport)

$1.09 NZ$1.94

$2.97 $2.97

-63.30%

Public Transport Monthly Pass (Regular Price)

$68.1 NZ$121

$60.3 $60.3

12.85%

Taxi Start (Normal Tariff)

$5.65 NZ$10.08

$9.83 $9.83

-42.52%

Taxi 1hour Waiting (Normal Tariff)

$27.97 NZ$49.83

Gasoline (1 liter)

$1.71 NZ$3.05

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

$25.1K NZ$44.8K

$38.4K $38.4K

-34.57%

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

$25.0K NZ$44.6K

$34.9K $34.9K

-28.18%

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

$111 NZ$197

$342 $342

-67.68%

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

$28.28 NZ$50.4

$75.6 $75.6

-62.58%

Internet (50+ Mbps, Unlimited Data)

$51.1 NZ$91.0

$96.5 $96.5

-47.06%

Gym Membership (Monthly)

$48.05 NZ$85.6

Cinema Ticket

$10.43 NZ$18.58

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

$591 NZ$1,053

Jeans (Levis 501 Or Similar)

$57.5 NZ$102

Summer Dress (H&M, Zara, etc)

$34.52 NZ$61.5

Sport Shoes (Adidas, Nike)

$92.9 NZ$165

Men's Leather Business Shoes

$132 NZ$236

1-bedroom Apartment, City Center (Monthly)

$876 NZ$1,561

1-bedroom Apartment, Outside City Center (Monthly)

$751 NZ$1,338

3-bedroom Apartment, City Center (Monthly)

$1,474 NZ$2,627

3-bedroom Apartment, Outside City Center (Monthly)

$1,150 NZ$2,049

Buy Apartment Outside City Center (m2)

$2,256 NZ$4,019

Average Monthly Net Salary (After Tax)

$2,455 NZ$4,375

20-Year Fixed Mortgage Interest Rate (Annual %)

7.07

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

Last update for Dunedin: October 6, 2026

Last update for Agana Heights: October 3, 2026

Monthly budget structure

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

Accommodation & Living

Dunedin

$751 41.8%

Agana Heights

–

Groceries & Markets

Dunedin

$320 17.8%

Agana Heights

–

Eating Out

Dunedin

$246 13.7%

Agana Heights

–

Monthly Utilities & Internet

Dunedin

$190 10.6%

Agana Heights

–

Clothing & Footwear

Dunedin

$143 7.9%

Agana Heights

–

Getting Around

Dunedin

$78 * 4.4%

Agana Heights

–

Sport & Entertainment

Dunedin

$69 3.8%

Agana Heights

–

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

Good to know

🇳🇿 Dunedin

🇬🇺 Agana Heights

🕒 Local time

21:43 9:43 PM

18:43 6:43 PM

3 h behind Dunedin

🌤 Weather

👥 Population

105,000

3,940

💱 Currency

New Zealand Dollar NZD $

United States Dollar USD $

📈 Exchange rate

1 NZD = 0.561 USD

1 NZD = 0.5 EUR

1 USD = 0.892 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 10, 2026: 1 USD = 1.78 NZD (1 NZD = 0.561 USD). 1 EUR = 2 NZD (1 NZD = 0.5 EUR).

United States Dollar exchange rates as of October 10, 2026: 1 EUR = 1.12 USD (1 USD = 0.892 EUR).

USD to NZD in detail →

On the map

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Between locations

Dunedin Agana Heights 7,090 km ≈ 9 h nonstop flight

From you

Dunedin
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

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

Agana Heights wins on cost – living expenses run 81% lower than in Dunedin. 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 $2,732 in Dunedin and $1,513 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.

All in, you'll spend $1,821 per month in Dunedin versus $1,009 in Agana Heights – a 81% gap that adds up to real savings over time for anyone picking the cheaper option.

Shoppers in Dunedin pay roughly 28% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,009 in Agana Heights versus $1,821 in Dunedin, a $1,000 budget is realistic in Agana Heights but tight or insufficient in Dunedin. 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, Dunedin 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 81% less than in Dunedin. Beyond cost, consider language, visa policies, and how big the international community is in each city.