Last update: Oct 2026

Cost of Living Comparison Between Hamilton and Agana Heights

For one person, living is cheaper in Agana Heights: $1,006 a month against $1,647 in Hamilton, rent and utilities included – about $7,700 less a year. Rent and utilities account for most of the difference.

80

Cost of Living Index in Hamilton
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Hamilton Living Index

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Hamilton

🇳🇿 New Zealand

$1,647

/mo nomad

Agana Heights

🇬🇺 Guam

$1,006

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,647 in Hamilton versus $1,006 in Agana Heights.

Hamilton $1,647
Agana Heights $1,006

Estimated couple costs with rent: $2,571 in Hamilton versus $1,356 in Agana Heights.

Hamilton $2,571
Agana Heights $1,356

Monthly costs for a family of three with rent: $3,496 in Hamilton versus $1,707 in Agana Heights.

Hamilton $3,496
Agana Heights $1,707

Living in Hamilton is roughly 64% more expensive than in Agana Heights, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Hamilton is 22% above, Agana Heights is 25% below.

Meal at Budget Restaurant

$11.78 NZ$20.83

Three-Course Dinner for Two, Mid-Range

$73.6 NZ$130

Fast Food Meal (McDonalds, etc)

$8.47 NZ$14.98

Cappuccino

$3.32 NZ$5.86

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

$2.26 NZ$3.99

Water (0.33 liter bottle)

$2.38 NZ$4.20

Local Beer (0.5 liter draught)

$6.24 NZ$11.04

Imported Beer (0.33 liter bottle)

$5.44 NZ$9.63

Milk (1 liter)

$1.46 NZ$2.59

$1.70 $1.70

-14.12%

White Bread (500g)

$1.25 NZ$2.20

$4.65 $4.65

-73.12%

Rice (white) (1kg)

$1.96 NZ$3.46

$1.70 $1.70

15.29%

Eggs

$5.25 NZ$9.29

$4.08 $4.08

28.68%

Local Cheese (1kg)

$5.56 NZ$9.84

$25.94 $25.94

-78.57%

Chicken Fillets (1kg)

$7.32 NZ$12.95

$6.60 $6.60

10.91%

Beef Round Steak (1kg)

$11.83 NZ$20.92

$17.90 $17.90

-33.91%

Apples (1kg)

$2.64 NZ$4.68

$3.99 $3.99

-33.83%

Banana (1kg)

$2.29 NZ$4.05

$1.20 $1.20

90.83%

Oranges (1kg)

$3.22 NZ$5.70

$1.92 $1.92

67.71%

Tomato (1kg)

$6.30 NZ$11.14

$6.72 $6.72

-6.25%

Potato (1kg)

$1.97 NZ$3.48

$2.82 $2.82

-30.14%

Onion (1kg)

$1.39 NZ$2.46

$2.85 $2.85

-51.23%

Lettuce (1 head)

$2.56 NZ$4.52

$4.07 $4.07

-37.10%

Water (1.5 liter bottle)

$0.96 NZ$1.70

$2.02 $2.02

-52.48%

Cigarettes 20 Pack (Marlboro, Camel)

$24.97 NZ$44.16

$9.81 $9.81

154.54%

Wine (Bottle)

$10.71 NZ$18.95

$12.18 $12.18

-12.07%

Local Beer (0.5 liter bottle)

$3.88 NZ$6.87

$1.84 $1.84

110.87%

Imported Beer (0.33 liter bottle)

$3.93 NZ$6.95

$1.54 $1.54

155.19%

One-way Ticket (Public Transport)

$1.42 NZ$2.52

$2.95 $2.95

-51.86%

Public Transport Monthly Pass (Regular Price)

$40.33 NZ$71.3

$60.8 $60.8

-33.62%

Taxi Start (Normal Tariff)

$3.52 NZ$6.22

$10.08 $10.08

-65.08%

Gasoline (1 liter)

$1.70 NZ$3.01

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

$26.4K NZ$46.6K

$38.9K $38.9K

-32.18%

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

$23.1K NZ$40.9K

$35.7K $35.7K

-35.35%

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

$56.1 NZ$99.2

$339 $339

-83.48%

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

$35.89 NZ$63.5

$75.9 $75.9

-52.71%

Internet (50+ Mbps, Unlimited Data)

$54.2 NZ$95.8

$97.4 $97.4

-44.39%

Gym Membership (Monthly)

$25.00 NZ$44.21

Tennis Court (1 Hour on Weekend)

$28.03 NZ$49.58

Cinema Ticket

$13.86 NZ$24.52

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

$666 NZ$1,178

International Primary School, 1 Child (Yearly)

$22.4K NZ$39.6K

Jeans (Levis 501 Or Similar)

$60.8 NZ$108

Summer Dress (H&M, Zara, etc)

$37.29 NZ$65.9

Sport Shoes (Adidas, Nike)

$92.0 NZ$163

Men's Leather Business Shoes

$104 NZ$183

1-bedroom Apartment, City Center (Monthly)

$1,082 NZ$1,913

1-bedroom Apartment, Outside City Center (Monthly)

$751 NZ$1,327

3-bedroom Apartment, City Center (Monthly)

$1,488 NZ$2,632

3-bedroom Apartment, Outside City Center (Monthly)

$1,309 NZ$2,314

Buy Apartment in City Center (m2)

$3,890 NZ$6,880

Buy Apartment Outside City Center (m2)

$4,506 NZ$7,969

Average Monthly Net Salary (After Tax)

$2,634 NZ$4,658

20-Year Fixed Mortgage Interest Rate (Annual %)

6.83

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

Last update for Hamilton: October 10, 2026

Last update for Agana Heights: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Hamilton

$751 45.6%

Agana Heights

–

Groceries & Markets

Hamilton

$295 17.9%

Agana Heights

–

Eating Out

Hamilton

$220 13.4%

Agana Heights

–

Monthly Utilities & Internet

Hamilton

$146 8.9%

Agana Heights

–

Clothing & Footwear

Hamilton

$132 8%

Agana Heights

–

Sport & Entertainment

Hamilton

$53 3.2%

Agana Heights

–

Getting Around

Hamilton

$50 * 3%

Agana Heights

–

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

Good to know

🇳🇿 Hamilton

🇬🇺 Agana Heights

🕒 Local time

01:08 1:08 AM

22:08 10:08 PM

3 h behind Hamilton

🌤 Weather

👥 Population

169,500

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 18, 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 18, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to NZD in detail →

On the map

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Between locations

Hamilton Agana Heights 6,530 km ≈ 9 h nonstop flight

From you

Hamilton
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

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

Agana Heights wins on cost – living expenses run 64% lower than in Hamilton. 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 $2,470 in Hamilton 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.

All in, you'll spend $1,647 per month in Hamilton versus $1,006 in Agana Heights – a 64% gap that adds up to real savings over time for anyone picking the cheaper option.

Shoppers in Hamilton pay roughly 39% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,006 in Agana Heights versus $1,647 in Hamilton, a $1,000 budget is realistic in Agana Heights but tight or insufficient in Hamilton. 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, Hamilton 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 64% less than in Hamilton. Beyond cost, consider language, visa policies, and how big the international community is in each city.