Last update: Oct 2026

Cost of Living Comparison Between North Shore and Agana Heights

For one person, living is cheaper in Agana Heights: $1,006 a month against $2,119 in North Shore, rent and utilities included – about $13,400 less a year. Rent and utilities account for most of the difference.

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Cost of Living Index in North Shore
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North Shore Living Index

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North Shore

🇳🇿 New Zealand

$2,119

/mo nomad

Agana Heights

🇬🇺 Guam

$1,006

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,119 in North Shore versus $1,006 in Agana Heights.

North Shore $2,119
Agana Heights $1,006

Estimated couple costs with rent: $2,933 in North Shore versus $1,356 in Agana Heights.

North Shore $2,933
Agana Heights $1,356

Monthly costs for a family of three with rent: $3,746 in North Shore versus $1,707 in Agana Heights.

North Shore $3,746
Agana Heights $1,707

Living in North Shore is roughly 111% more expensive than in Agana Heights, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: North Shore is 57% above, Agana Heights is 25% below.

Meal at Budget Restaurant

$14.08 NZ$24.90

Three-Course Dinner for Two, Mid-Range

$73.5 NZ$130

Fast Food Meal (McDonalds, etc)

$8.46 NZ$14.96

Cappuccino

$3.27 NZ$5.78

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

$1.93 NZ$3.42

Water (0.33 liter bottle)

$1.78 NZ$3.15

Local Beer (0.5 liter draught)

$6.53 NZ$11.55

Imported Beer (0.33 liter bottle)

$5.61 NZ$9.92

Milk (1 liter)

$1.61 NZ$2.85

$1.70 $1.70

-5.29%

White Bread (500g)

$1.30 NZ$2.29

$4.65 $4.65

-72.04%

Rice (white) (1kg)

$1.89 NZ$3.33

$1.70 $1.70

11.18%

Eggs

$5.68 NZ$10.05

$4.08 $4.08

39.22%

Local Cheese (1kg)

$7.74 NZ$13.69

$25.94 $25.94

-70.16%

Chicken Fillets (1kg)

$10.02 NZ$17.72

$6.60 $6.60

51.82%

Beef Round Steak (1kg)

$11.56 NZ$20.45

$17.90 $17.90

-35.42%

Apples (1kg)

$2.62 NZ$4.63

$3.99 $3.99

-34.34%

Banana (1kg)

$2.05 NZ$3.63

$1.20 $1.20

70.83%

Oranges (1kg)

$3.14 NZ$5.56

$1.92 $1.92

63.54%

Tomato (1kg)

$5.84 NZ$10.33

$6.72 $6.72

-13.10%

Potato (1kg)

$2.08 NZ$3.67

$2.82 $2.82

-26.24%

Onion (1kg)

$1.51 NZ$2.67

$2.85 $2.85

-47.02%

Lettuce (1 head)

$2.39 NZ$4.22

$4.07 $4.07

-41.28%

Water (1.5 liter bottle)

$0.95 NZ$1.68

$2.02 $2.02

-52.97%

Cigarettes 20 Pack (Marlboro, Camel)

$25.48 NZ$45.06

$9.81 $9.81

159.73%

Wine (Bottle)

$10.33 NZ$18.26

$12.18 $12.18

-15.19%

Local Beer (0.5 liter bottle)

$2.74 NZ$4.84

$1.84 $1.84

48.91%

Imported Beer (0.33 liter bottle)

$3.34 NZ$5.90

$1.54 $1.54

116.88%

One-way Ticket (Public Transport)

$2.21 NZ$3.90

$2.95 $2.95

-25.08%

Public Transport Monthly Pass (Regular Price)

$59.5 NZ$105

$60.8 $60.8

-2.02%

Taxi Start (Normal Tariff)

$2.22 NZ$3.93

$10.08 $10.08

-77.98%

Taxi (Normal Tariff) (1km)

$1.92 NZ$3.39

Taxi 1hour Waiting (Normal Tariff)

$32.25 NZ$57.0

Gasoline (1 liter)

$1.71 NZ$3.02

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

$25.4K NZ$44.9K

$38.9K $38.9K

-34.70%

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

$22.4K NZ$39.5K

$35.7K $35.7K

-37.45%

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

$181 NZ$321

$339 $339

-46.58%

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

$26.42 NZ$46.73

$75.9 $75.9

-65.19%

Internet (50+ Mbps, Unlimited Data)

$50.6 NZ$89.5

$97.4 $97.4

-48.02%

Gym Membership (Monthly)

$27.16 NZ$48.03

Cinema Ticket

$13.05 NZ$23.07

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

$672 NZ$1,188

International Primary School, 1 Child (Yearly)

$14.4K NZ$25.5K

Jeans (Levis 501 Or Similar)

$68.9 NZ$122

Summer Dress (H&M, Zara, etc)

$37.87 NZ$67.0

Sport Shoes (Adidas, Nike)

$93.1 NZ$165

Men's Leather Business Shoes

$103 NZ$182

1-bedroom Apartment, City Center (Monthly)

$1,302 NZ$2,303

1-bedroom Apartment, Outside City Center (Monthly)

$1,050 NZ$1,856

3-bedroom Apartment, City Center (Monthly)

$2,278 NZ$4,029

3-bedroom Apartment, Outside City Center (Monthly)

$1,339 NZ$2,369

Buy Apartment in City Center (m2)

$7,194 NZ$12.7K

Buy Apartment Outside City Center (m2)

$6,028 NZ$10.7K

Average Monthly Net Salary (After Tax)

$2,774 NZ$4,905

20-Year Fixed Mortgage Interest Rate (Annual %)

6.63

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

Last update for North Shore: 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

North Shore

$1K 49.5%

Agana Heights

–

Groceries & Markets

North Shore

$306 14.4%

Agana Heights

–

Monthly Utilities & Internet

North Shore

$258 12.2%

Agana Heights

–

Eating Out

North Shore

$236 11.1%

Agana Heights

–

Clothing & Footwear

North Shore

$136 6.4%

Agana Heights

–

Getting Around

North Shore

$80 3.8%

Agana Heights

–

Sport & Entertainment

North Shore

$53 2.5%

Agana Heights

–

Good to know

🇳🇿 North Shore

🇬🇺 Agana Heights

🕒 Local time

12:47 12:47 PM

09:47 9:47 AM

3 h behind North Shore

🌤 Weather

👥 Population

258,697

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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Between locations

North Shore Agana Heights 6,410 km ≈ 9 h nonstop flight

From you

North Shore
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

North Shore vs Agana Heights: Cost of Living - Frequently Asked Questions

Agana Heights wins on cost – living expenses run 111% lower than in North Shore. 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 $3,179 in North Shore 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 $2,119 per month in North Shore versus $1,006 in Agana Heights – a 111% gap that adds up to real savings over time for anyone picking the cheaper option.

Shoppers in North Shore pay roughly 34% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,006 in Agana Heights versus $2,119 in North Shore, a $1,000 budget is realistic in Agana Heights but tight or insufficient in North Shore. 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, North Shore 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 111% less than in North Shore. Beyond cost, consider language, visa policies, and how big the international community is in each city.