Last update: Oct 2026

Cost of Living Comparison Between Oamaru and Agana Heights

For one person, living is cheaper in Agana Heights: $1,006 a month against $1,769 in Oamaru, rent and utilities included – about $9,200 less a year. Rent and utilities account for most of the difference.

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Cost of Living Index in Oamaru
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Oamaru Living Index

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Oamaru

🇳🇿 New Zealand

$1,769

/mo nomad

Agana Heights

🇬🇺 Guam

$1,006

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,769 in Oamaru versus $1,006 in Agana Heights.

Oamaru $1,769
Agana Heights $1,006

Estimated couple costs with rent: $2,802 in Oamaru versus $1,356 in Agana Heights.

Oamaru $2,802
Agana Heights $1,356

Monthly costs for a family of three with rent: $3,834 in Oamaru versus $1,707 in Agana Heights.

Oamaru $3,834
Agana Heights $1,707

Living in Oamaru is roughly 76% more expensive than in Agana Heights, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Oamaru is 31% above, Agana Heights is 25% below.

Meal at Budget Restaurant

$13.87 NZ$24.53

Three-Course Dinner for Two, Mid-Range

$67.7 NZ$120

Fast Food Meal (McDonalds, etc)

$9.18 NZ$16.23

Cappuccino

$3.30 NZ$5.84

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

$2.33 NZ$4.12

Water (0.33 liter bottle)

$1.78 NZ$3.14

Local Beer (0.5 liter draught)

$6.58 NZ$11.63

Imported Beer (0.33 liter bottle)

$6.91 NZ$12.22

Milk (1 liter)

$1.67 NZ$2.94

$1.70 $1.70

-1.76%

White Bread (500g)

$1.28 NZ$2.27

$4.65 $4.65

-72.47%

Rice (white) (1kg)

$1.50 NZ$2.65

$1.70 $1.70

-11.76%

Eggs

$5.48 NZ$9.70

$4.08 $4.08

34.31%

Local Cheese (1kg)

$7.26 NZ$12.83

$25.94 $25.94

-72.01%

Chicken Fillets (1kg)

$8.87 NZ$15.69

$6.60 $6.60

34.39%

Beef Round Steak (1kg)

$13.60 NZ$24.04

$17.90 $17.90

-24.02%

Apples (1kg)

$2.39 NZ$4.22

$3.99 $3.99

-40.10%

Banana (1kg)

$2.02 NZ$3.58

$1.20 $1.20

68.33%

Oranges (1kg)

$2.69 NZ$4.76

$1.92 $1.92

40.10%

Tomato (1kg)

$2.97 NZ$5.25

$6.72 $6.72

-55.80%

Potato (1kg)

$1.50 NZ$2.65

$2.82 $2.82

-46.81%

Onion (1kg)

$1.33 NZ$2.35

$2.85 $2.85

-53.33%

Lettuce (1 head)

$2.06 NZ$3.64

$4.07 $4.07

-49.39%

Water (1.5 liter bottle)

$0.70 NZ$1.24

$2.02 $2.02

-65.35%

Cigarettes 20 Pack (Marlboro, Camel)

$24.24 NZ$42.87

$9.81 $9.81

147.09%

Wine (Bottle)

$5.44 NZ$9.63

$12.18 $12.18

-55.34%

Local Beer (0.5 liter bottle)

$3.37 NZ$5.96

$1.84 $1.84

83.15%

Imported Beer (0.33 liter bottle)

$4.29 NZ$7.60

$1.54 $1.54

178.57%

One-way Ticket (Public Transport)

$1.49 NZ$2.64

$2.95 $2.95

-49.49%

Public Transport Monthly Pass (Regular Price)

$89.0 NZ$157

$60.8 $60.8

46.41%

Taxi Start (Normal Tariff)

$2.55 NZ$4.52

$10.08 $10.08

-74.70%

Taxi (Normal Tariff) (1km)

$1.70 NZ$3.00

Taxi 1hour Waiting (Normal Tariff)

$27.87 NZ$49.29

Gasoline (1 liter)

$1.58 NZ$2.79

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

$25.2K NZ$44.6K

$38.9K $38.9K

-35.04%

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

$23.9K NZ$42.2K

$35.7K $35.7K

-33.20%

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

$158 NZ$279

$339 $339

-53.49%

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

$19.36 NZ$34.24

$75.9 $75.9

-74.49%

Internet (50+ Mbps, Unlimited Data)

$45.43 NZ$80.3

$97.4 $97.4

-53.36%

Gym Membership (Monthly)

$39.08 NZ$69.1

Cinema Ticket

$9.98 NZ$17.65

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

$668 NZ$1,181

International Primary School, 1 Child (Yearly)

$21.7K NZ$38.4K

Jeans (Levis 501 Or Similar)

$56.4 NZ$99.7

Summer Dress (H&M, Zara, etc)

$16.83 NZ$29.77

Sport Shoes (Adidas, Nike)

$44.83 NZ$79.3

Men's Leather Business Shoes

$50.3 NZ$88.9

1-bedroom Apartment, City Center (Monthly)

$973 NZ$1,720

1-bedroom Apartment, Outside City Center (Monthly)

$790 NZ$1,398

3-bedroom Apartment, City Center (Monthly)

$1,725 NZ$3,051

3-bedroom Apartment, Outside City Center (Monthly)

$1,631 NZ$2,884

Buy Apartment in City Center (m2)

$4,751 NZ$8,403

Buy Apartment Outside City Center (m2)

$3,236 NZ$5,724

Average Monthly Net Salary (After Tax)

$1,926 NZ$3,405

20-Year Fixed Mortgage Interest Rate (Annual %)

5.91

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

Last update for Oamaru: 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

Oamaru

$790 44.7%

Agana Heights

–

Groceries & Markets

Oamaru

$274 15.5%

Agana Heights

–

Eating Out

Oamaru

$241 13.6%

Agana Heights

–

Monthly Utilities & Internet

Oamaru

$223 12.6%

Agana Heights

–

Getting Around

Oamaru

$106 6%

Agana Heights

–

Clothing & Footwear

Oamaru

$76 4.3%

Agana Heights

–

Sport & Entertainment

Oamaru

$59 3.3%

Agana Heights

–

Good to know

🇳🇿 Oamaru

🇬🇺 Agana Heights

🕒 Local time

12:26 12:26 PM

09:26 9:26 AM

3 h behind Oamaru

🌤 Weather

👥 Population

13,850

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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Oamaru Agana Heights 7,030 km ≈ 9 h nonstop flight

From you

Oamaru
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

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

Agana Heights wins on cost – living expenses run 76% lower than in Oamaru. 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 $2,654 in Oamaru 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 $1,769 per month in Oamaru versus $1,006 in Agana Heights – a 76% gap that adds up to real savings over time for anyone picking the cheaper option.

Shoppers in Oamaru pay roughly 50% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,006 in Agana Heights versus $1,769 in Oamaru, a $1,000 budget is realistic in Agana Heights but tight or insufficient in Oamaru. 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, Oamaru 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 76% less than in Oamaru. Beyond cost, consider language, visa policies, and how big the international community is in each city.