Last update: Oct 2026

Cost of Living Comparison Between Napier and Agana Heights

For one person, living is cheaper in Agana Heights: $1,006 a month against $2,192 in Napier, rent and utilities included – about $14,200 less a year. Rent and utilities account for most of the difference.

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Cost of Living Index in Napier
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Napier Living Index

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Napier

🇳🇿 New Zealand

$2,192

/mo nomad

Agana Heights

🇬🇺 Guam

$1,006

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,192 in Napier versus $1,006 in Agana Heights.

Napier $2,192
Agana Heights $1,006

Estimated couple costs with rent: $3,179 in Napier versus $1,356 in Agana Heights.

Napier $3,179
Agana Heights $1,356

Monthly costs for a family of three with rent: $4,165 in Napier versus $1,707 in Agana Heights.

Napier $4,165
Agana Heights $1,707

Living in Napier is roughly 118% more expensive than in Agana Heights, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Napier is 62% above, Agana Heights is 25% below.

Meal at Budget Restaurant

$18.79 NZ$33.22

Three-Course Dinner for Two, Mid-Range

$92.3 NZ$163

Fast Food Meal (McDonalds, etc)

$9.46 NZ$16.72

Cappuccino

$3.30 NZ$5.84

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

$2.19 NZ$3.88

Water (0.33 liter bottle)

$2.30 NZ$4.07

Local Beer (0.5 liter draught)

$6.54 NZ$11.57

Imported Beer (0.33 liter bottle)

$5.71 NZ$10.10

Milk (1 liter)

$1.60 NZ$2.83

$1.70 $1.70

-5.88%

White Bread (500g)

$1.46 NZ$2.58

$4.65 $4.65

-68.60%

Rice (white) (1kg)

$1.46 NZ$2.58

$1.70 $1.70

-14.12%

Eggs

$5.85 NZ$10.35

$4.08 $4.08

43.38%

Local Cheese (1kg)

$7.38 NZ$13.05

$25.94 $25.94

-71.55%

Chicken Fillets (1kg)

$8.40 NZ$14.85

$6.60 $6.60

27.27%

Beef Round Steak (1kg)

$12.47 NZ$22.04

$17.90 $17.90

-30.34%

Apples (1kg)

$2.24 NZ$3.96

$3.99 $3.99

-43.86%

Banana (1kg)

$1.60 NZ$2.83

$1.20 $1.20

33.33%

Oranges (1kg)

$3.07 NZ$5.44

$1.92 $1.92

59.90%

Tomato (1kg)

$2.86 NZ$5.06

$6.72 $6.72

-57.44%

Potato (1kg)

$1.73 NZ$3.06

$2.82 $2.82

-38.65%

Onion (1kg)

$2.53 NZ$4.48

$2.85 $2.85

-11.23%

Lettuce (1 head)

$1.91 NZ$3.38

$4.07 $4.07

-53.07%

Water (1.5 liter bottle)

$1.22 NZ$2.16

$2.02 $2.02

-39.60%

Cigarettes 20 Pack (Marlboro, Camel)

$19.90 NZ$35.20

$9.81 $9.81

102.85%

Wine (Bottle)

$8.18 NZ$14.47

$12.18 $12.18

-32.84%

Local Beer (0.5 liter bottle)

$2.50 NZ$4.43

$1.84 $1.84

35.87%

Imported Beer (0.33 liter bottle)

$2.42 NZ$4.29

$1.54 $1.54

57.14%

One-way Ticket (Public Transport)

$1.73 NZ$3.05

$2.95 $2.95

-41.36%

Public Transport Monthly Pass (Regular Price)

$82.4 NZ$146

$60.8 $60.8

35.65%

Taxi Start (Normal Tariff)

$2.25 NZ$3.99

$10.08 $10.08

-77.68%

Taxi (Normal Tariff) (1km)

$1.87 NZ$3.30

Taxi 1hour Waiting (Normal Tariff)

$30.98 NZ$54.8

Gasoline (1 liter)

$1.57 NZ$2.77

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

$25.3K NZ$44.8K

$38.9K $38.9K

-34.78%

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

$23.5K NZ$41.6K

$35.7K $35.7K

-34.13%

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

$186 NZ$328

$339 $339

-45.28%

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

$34.40 NZ$60.8

$75.9 $75.9

-54.67%

Internet (50+ Mbps, Unlimited Data)

$48.56 NZ$85.9

$97.4 $97.4

-50.14%

Gym Membership (Monthly)

$32.97 NZ$58.3

Tennis Court (1 Hour on Weekend)

$10.51 NZ$18.58

Cinema Ticket

$8.31 NZ$14.70

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

$660 NZ$1,167

International Primary School, 1 Child (Yearly)

$16.6K NZ$29.3K

Jeans (Levis 501 Or Similar)

$106 NZ$188

Summer Dress (H&M, Zara, etc)

$53.2 NZ$94.1

Sport Shoes (Adidas, Nike)

$104 NZ$183

Men's Leather Business Shoes

$119 NZ$210

1-bedroom Apartment, City Center (Monthly)

$1,212 NZ$2,143

1-bedroom Apartment, Outside City Center (Monthly)

$1,046 NZ$1,849

3-bedroom Apartment, City Center (Monthly)

$1,656 NZ$2,928

3-bedroom Apartment, Outside City Center (Monthly)

$1,493 NZ$2,640

Buy Apartment in City Center (m2)

$4,715 NZ$8,339

Buy Apartment Outside City Center (m2)

$3,238 NZ$5,726

Average Monthly Net Salary (After Tax)

$2,953 NZ$5,223

20-Year Fixed Mortgage Interest Rate (Annual %)

6.54

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

Last update for Napier: October 11, 2026

Last update for Agana Heights: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Napier

$1K 47.7%

Agana Heights

–

Eating Out

Napier

$280 12.8%

Agana Heights

–

Groceries & Markets

Napier

$275 12.6%

Agana Heights

–

Monthly Utilities & Internet

Napier

$269 12.3%

Agana Heights

–

Clothing & Footwear

Napier

$172 7.8%

Agana Heights

–

Getting Around

Napier

$101 4.6%

Agana Heights

–

Sport & Entertainment

Napier

$50 2.3%

Agana Heights

–

Good to know

🇳🇿 Napier

🇬🇺 Agana Heights

🕒 Local time

06:57 6:57 AM

03:57 3:57 AM

3 h behind Napier

🌤 Weather

👥 Population

65,000

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 →

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Napier Agana Heights 6,770 km ≈ 9 h nonstop flight

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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

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

Agana Heights wins on cost – living expenses run 118% lower than in Napier. 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 $3,288 in Napier 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 $2,192 per month in Napier versus $1,006 in Agana Heights – a 118% gap that adds up to real savings over time for anyone picking the cheaper option.

Shoppers in Napier pay roughly 49% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,006 in Agana Heights versus $2,192 in Napier, a $1,000 budget is realistic in Agana Heights but tight or insufficient in Napier. 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, Napier 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 118% less than in Napier. Beyond cost, consider language, visa policies, and how big the international community is in each city.