Last update: Oct 2026

Cost of Living Comparison Between Masterton and Agana Heights

For one person, living is cheaper in Masterton: $832 a month against $1,006 in Agana Heights, rent and utilities included – about $2,100 less a year. Higher rent and utilities in Agana Heights outweigh lower spending on other living expenses.

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Cost of Living Index in Masterton
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Masterton Living Index

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Masterton

🇳🇿 New Zealand

$832

/mo nomad

Agana Heights

🇬🇺 Guam

$1,006

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $832 in Masterton versus $1,006 in Agana Heights.

Masterton $832
Agana Heights $1,006

Estimated couple costs with rent: $1,432 in Masterton versus $1,356 in Agana Heights.

Masterton $1,432
Agana Heights $1,356

Monthly costs for a family of three with rent: $2,032 in Masterton versus $1,707 in Agana Heights.

Masterton $2,032
Agana Heights $1,707

Living in Masterton costs roughly 17% less than in Agana Heights, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Masterton 38% lower, Agana Heights 25% lower.

Meal at Budget Restaurant

$9.54 NZ$16.88

Three-Course Dinner for Two, Mid-Range

$64.9 NZ$115

Fast Food Meal (McDonalds, etc)

$8.56 NZ$15.14

Cappuccino

$3.18 NZ$5.62

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

$2.02 NZ$3.57

Water (0.33 liter bottle)

$1.09 NZ$1.93

Local Beer (0.5 liter draught)

$3.89 NZ$6.88

Imported Beer (0.33 liter bottle)

$3.28 NZ$5.79

Milk (1 liter)

$1.42 NZ$2.51

$1.70 $1.70

-16.47%

White Bread (500g)

$2.21 NZ$3.91

$4.65 $4.65

-52.47%

Rice (white) (1kg)

$1.03 NZ$1.82

$1.70 $1.70

-39.41%

Eggs

$6.32 NZ$11.17

$4.08 $4.08

54.90%

Local Cheese (1kg)

$8.29 NZ$14.65

$25.94 $25.94

-68.04%

Chicken Fillets (1kg)

$9.48 NZ$16.76

$6.60 $6.60

43.64%

Beef Round Steak (1kg)

$15.18 NZ$26.85

$17.90 $17.90

-15.20%

Apples (1kg)

$2.18 NZ$3.85

$3.99 $3.99

-45.36%

Banana (1kg)

$1.71 NZ$3.02

$1.20 $1.20

42.50%

Oranges (1kg)

$2.98 NZ$5.27

$1.92 $1.92

55.21%

Tomato (1kg)

$4.58 NZ$8.11

$6.72 $6.72

-31.85%

Potato (1kg)

$1.53 NZ$2.71

$2.82 $2.82

-45.74%

Onion (1kg)

$1.08 NZ$1.90

$2.85 $2.85

-62.11%

Lettuce (1 head)

$1.70 NZ$3.00

$4.07 $4.07

-58.23%

Water (1.5 liter bottle)

$0.52 NZ$0.92

$2.02 $2.02

-74.26%

Cigarettes 20 Pack (Marlboro, Camel)

$19.51 NZ$34.50

$9.81 $9.81

98.88%

Wine (Bottle)

$11.21 NZ$19.83

$12.18 $12.18

-7.96%

Local Beer (0.5 liter bottle)

$0.85 NZ$1.50

$1.84 $1.84

-53.80%

Imported Beer (0.33 liter bottle)

$1.14 NZ$2.02

$1.54 $1.54

-25.97%

One-way Ticket (Public Transport)

$2.23 NZ$3.94

$2.95 $2.95

-24.41%

Public Transport Monthly Pass (Regular Price)

$60.8 $60.8

Taxi Start (Normal Tariff)

$1.81 NZ$3.20

$10.08 $10.08

-82.04%

Taxi (Normal Tariff) (1km)

$1.75 NZ$3.09

Taxi 1hour Waiting (Normal Tariff)

$34.16 NZ$60.4

Gasoline (1 liter)

$1.77 NZ$3.12

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

$22.0K NZ$39.0K

$38.9K $38.9K

-43.28%

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

$24.8K NZ$43.9K

$35.7K $35.7K

-30.53%

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

$55.0 NZ$97.3

$339 $339

-83.79%

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

$29.34 NZ$51.9

$75.9 $75.9

-61.34%

Internet (50+ Mbps, Unlimited Data)

$52.8 NZ$93.3

$97.4 $97.4

-45.84%

Gym Membership (Monthly)

$41.79 NZ$73.9

Tennis Court (1 Hour on Weekend)

$8.51 NZ$15.06

Cinema Ticket

$9.68 NZ$17.12

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

$1,056 NZ$1,868

International Primary School, 1 Child (Yearly)

$12.7K NZ$22.5K

Jeans (Levis 501 Or Similar)

$55.6 NZ$98.3

Summer Dress (H&M, Zara, etc)

$27.59 NZ$48.79

Sport Shoes (Adidas, Nike)

$102 NZ$181

Men's Leather Business Shoes

$142 NZ$251

3-bedroom Apartment, City Center (Monthly)

$1,002 NZ$1,773

Average Monthly Net Salary (After Tax)

$2,327 NZ$4,115

20-Year Fixed Mortgage Interest Rate (Annual %)

5.39

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

Last update for Masterton: October 13, 2026

Last update for Agana Heights: October 10, 2026

Monthly budget structure

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

Groceries & Markets

Masterton

$288 34.7%

Agana Heights

–

Eating Out

Masterton

$179 21.5%

Agana Heights

–

Clothing & Footwear

Masterton

$147 17.7%

Agana Heights

–

Monthly Utilities & Internet

Masterton

$137 16.5%

Agana Heights

–

Sport & Entertainment

Masterton

$61 7.4%

Agana Heights

–

Getting Around

Masterton

$19 * 2.3%

Agana Heights

–

Accommodation & Living

Masterton

- * 0%

Agana Heights

–

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

Good to know

🇳🇿 Masterton

🇬🇺 Agana Heights

🕒 Local time

10:06 10:06 AM

07:06 7:06 AM

3 h behind Masterton

🌤 Weather

👥 Population

26,800

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 →

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Masterton Agana Heights 6,840 km ≈ 9 h nonstop flight

From you

Masterton
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

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

Masterton wins on cost – living expenses run 21% lower than in Agana Heights. Housing and daily spending are where you'll feel the difference most, making Masterton the obvious pick if budget is a priority.

You'd need roughly $1,248 in Masterton 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.

Supermarket bills run roughly 43% higher in Agana Heights. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $832 per month in Masterton versus $1,006 in Agana Heights – a 21% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $1,000 a month, though Masterton gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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, Masterton 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 Masterton gentler on the wallet – expenses run 21% less than in Agana Heights. Beyond cost, consider language, visa policies, and how big the international community is in each city.