Last update: Oct 2026

Cost of Living Comparison Between Invercargill and Agana Heights

For one person, living is cheaper in Agana Heights: $1,006 a month against $1,412 in Invercargill, rent and utilities included – about $4,900 less a year. Rent and utilities account for most of the difference.

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Cost of Living Index in Invercargill
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Invercargill Living Index

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Invercargill

🇳🇿 New Zealand

$1,412

/mo nomad

Agana Heights

🇬🇺 Guam

$1,006

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,412 in Invercargill versus $1,006 in Agana Heights.

Invercargill $1,412
Agana Heights $1,006

Estimated couple costs with rent: $2,099 in Invercargill versus $1,356 in Agana Heights.

Invercargill $2,099
Agana Heights $1,356

Monthly costs for a family of three with rent: $2,785 in Invercargill versus $1,707 in Agana Heights.

Invercargill $2,785
Agana Heights $1,707

Living in Invercargill is roughly 40% more expensive than in Agana Heights, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Invercargill is 5% above, Agana Heights is 25% below.

Meal at Budget Restaurant

$14.04 NZ$24.83

Three-Course Dinner for Two, Mid-Range

$61.2 NZ$108

Fast Food Meal (McDonalds, etc)

$8.32 NZ$14.71

Cappuccino

$3.12 NZ$5.52

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

$1.65 NZ$2.92

Water (0.33 liter bottle)

$2.03 NZ$3.60

Local Beer (0.5 liter draught)

$2.74 NZ$4.85

Imported Beer (0.33 liter bottle)

$2.74 NZ$4.85

Milk (1 liter)

$1.68 NZ$2.96

$1.70 $1.70

-1.18%

White Bread (500g)

$1.85 NZ$3.27

$4.65 $4.65

-60.22%

Rice (white) (1kg)

$1.76 NZ$3.11

$1.70 $1.70

3.53%

Eggs

$5.58 NZ$9.87

$4.08 $4.08

36.76%

Local Cheese (1kg)

$8.23 NZ$14.55

$25.94 $25.94

-68.27%

Chicken Fillets (1kg)

$8.83 NZ$15.61

$6.60 $6.60

33.79%

Beef Round Steak (1kg)

$12.12 NZ$21.44

$17.90 $17.90

-32.29%

Apples (1kg)

$2.55 NZ$4.50

$3.99 $3.99

-36.09%

Banana (1kg)

$2.36 NZ$4.17

$1.20 $1.20

96.67%

Oranges (1kg)

$2.66 NZ$4.70

$1.92 $1.92

38.54%

Tomato (1kg)

$3.52 NZ$6.23

$6.72 $6.72

-47.62%

Potato (1kg)

$3.21 NZ$5.68

$2.82 $2.82

13.83%

Onion (1kg)

$1.61 NZ$2.85

$2.85 $2.85

-43.51%

Lettuce (1 head)

$2.33 NZ$4.13

$4.07 $4.07

-42.75%

Water (1.5 liter bottle)

$1.04 NZ$1.84

$2.02 $2.02

-48.51%

Cigarettes 20 Pack (Marlboro, Camel)

$20.39 NZ$36.06

$9.81 $9.81

107.85%

Wine (Bottle)

$8.56 NZ$15.14

$12.18 $12.18

-29.72%

Local Beer (0.5 liter bottle)

$2.86 NZ$5.06

$1.84 $1.84

55.43%

Imported Beer (0.33 liter bottle)

$3.39 NZ$5.99

$1.54 $1.54

120.13%

One-way Ticket (Public Transport)

$1.41 NZ$2.49

$2.95 $2.95

-52.20%

Public Transport Monthly Pass (Regular Price)

$60.8 $60.8

Taxi Start (Normal Tariff)

$2.27 NZ$4.01

$10.08 $10.08

-77.48%

Taxi (Normal Tariff) (1km)

$1.94 NZ$3.42

Taxi 1hour Waiting (Normal Tariff)

$27.73 NZ$49.04

Gasoline (1 liter)

$1.59 NZ$2.81

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

$23.8K NZ$42.1K

$38.9K $38.9K

-38.76%

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

$18.2K NZ$32.3K

$35.7K $35.7K

-48.96%

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

$109 NZ$192

$339 $339

-67.97%

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

$32.30 NZ$57.1

$75.9 $75.9

-57.44%

Internet (50+ Mbps, Unlimited Data)

$42.46 NZ$75.1

$97.4 $97.4

-56.41%

Gym Membership (Monthly)

$27.87 NZ$49.29

Tennis Court (1 Hour on Weekend)

$13.77 NZ$24.34

Cinema Ticket

$8.82 NZ$15.60

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

$589 NZ$1,042

Jeans (Levis 501 Or Similar)

$57.4 NZ$102

Summer Dress (H&M, Zara, etc)

$35.07 NZ$62.0

Sport Shoes (Adidas, Nike)

$70.0 NZ$124

Men's Leather Business Shoes

$79.0 NZ$140

1-bedroom Apartment, City Center (Monthly)

$594 NZ$1,050

1-bedroom Apartment, Outside City Center (Monthly)

$551 NZ$974

3-bedroom Apartment, City Center (Monthly)

$831 NZ$1,470

3-bedroom Apartment, Outside City Center (Monthly)

$764 NZ$1,350

Buy Apartment in City Center (m2)

$5,482 NZ$9,695

Buy Apartment Outside City Center (m2)

$5,034 NZ$8,902

Average Monthly Net Salary (After Tax)

$2,729 NZ$4,826

20-Year Fixed Mortgage Interest Rate (Annual %)

6.72

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

Last update for Invercargill: 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

Invercargill

$551 39%

Agana Heights

–

Groceries & Markets

Invercargill

$298 21.1%

Agana Heights

–

Eating Out

Invercargill

$209 14.8%

Agana Heights

–

Monthly Utilities & Internet

Invercargill

$183 13%

Agana Heights

–

Clothing & Footwear

Invercargill

$109 7.7%

Agana Heights

–

Sport & Entertainment

Invercargill

$46 3.2%

Agana Heights

–

Getting Around

Invercargill

$18 * 1.2%

Agana Heights

–

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

Good to know

🇳🇿 Invercargill

🇬🇺 Agana Heights

🕒 Local time

03:33 3:33 AM

00:33 12:33 AM

3 h behind Invercargill

🌤 Weather

👥 Population

56,200

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 = 0.889 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 = 0.889 EUR).

USD to NZD in detail →

On the map

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Between locations

Invercargill Agana Heights 7,060 km ≈ 9 h nonstop flight

From you

Invercargill
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

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

Agana Heights wins on cost – living expenses run 40% lower than in Invercargill. 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 $2,119 in Invercargill 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 Invercargill pay roughly 38% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

All in, you'll spend $1,412 per month in Invercargill versus $1,006 in Agana Heights – a 40% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,006 in Agana Heights versus $1,412 in Invercargill, a $1,000 budget is realistic in Agana Heights but tight or insufficient in Invercargill. 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, Invercargill 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 40% less than in Invercargill. Beyond cost, consider language, visa policies, and how big the international community is in each city.