Last update: Oct 2026

Cost of Living Comparison Between Papamoa Beach and Agana Heights

For one person, living is cheaper in Agana Heights: $1,006 a month against $2,053 in Papamoa Beach, rent and utilities included – about $12,600 less a year. Rent and utilities account for most of the difference.

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Cost of Living Index in Papamoa Beach
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Papamoa Beach Living Index

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Papamoa Beach

🇳🇿 New Zealand

$2,053

/mo nomad

Agana Heights

🇬🇺 Guam

$1,006

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,053 in Papamoa Beach versus $1,006 in Agana Heights.

Papamoa Beach $2,053
Agana Heights $1,006

Estimated couple costs with rent: $3,092 in Papamoa Beach versus $1,356 in Agana Heights.

Papamoa Beach $3,092
Agana Heights $1,356

Monthly costs for a family of three with rent: $4,131 in Papamoa Beach versus $1,707 in Agana Heights.

Papamoa Beach $4,131
Agana Heights $1,707

Living in Papamoa Beach is roughly 104% more expensive than in Agana Heights, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Papamoa Beach is 52% above, Agana Heights is 25% below.

Meal at Budget Restaurant

$13.90 NZ$24.59

Three-Course Dinner for Two, Mid-Range

$67.3 NZ$119

Fast Food Meal (McDonalds, etc)

$8.75 NZ$15.48

Cappuccino

$3.43 NZ$6.06

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

$1.93 NZ$3.42

Water (0.33 liter bottle)

$1.71 NZ$3.03

Local Beer (0.5 liter draught)

$6.68 NZ$11.81

Imported Beer (0.33 liter bottle)

$6.82 NZ$12.06

Milk (1 liter)

$1.88 NZ$3.33

$1.70 $1.70

10.59%

White Bread (500g)

$2.25 NZ$3.98

$4.65 $4.65

-51.61%

Rice (white) (1kg)

$1.89 NZ$3.34

$1.70 $1.70

11.18%

Eggs

$6.38 NZ$11.29

$4.08 $4.08

56.37%

Local Cheese (1kg)

$8.80 NZ$15.56

$25.94 $25.94

-66.08%

Chicken Fillets (1kg)

$9.98 NZ$17.66

$6.60 $6.60

51.21%

Beef Round Steak (1kg)

$17.19 NZ$30.39

$17.90 $17.90

-3.97%

Apples (1kg)

$2.83 NZ$5.01

$3.99 $3.99

-29.07%

Banana (1kg)

$2.11 NZ$3.74

$1.20 $1.20

75.83%

Oranges (1kg)

$2.96 NZ$5.24

$1.92 $1.92

54.17%

Tomato (1kg)

$5.69 NZ$10.06

$6.72 $6.72

-15.33%

Potato (1kg)

$2.15 NZ$3.80

$2.82 $2.82

-23.76%

Onion (1kg)

$1.53 NZ$2.70

$2.85 $2.85

-46.32%

Lettuce (1 head)

$2.02 NZ$3.58

$4.07 $4.07

-50.37%

Water (1.5 liter bottle)

$1.09 NZ$1.92

$2.02 $2.02

-46.04%

Cigarettes 20 Pack (Marlboro, Camel)

$26.81 NZ$47.41

$9.81 $9.81

173.29%

Wine (Bottle)

$10.37 NZ$18.34

$12.18 $12.18

-14.86%

Local Beer (0.5 liter bottle)

$2.76 NZ$4.89

$1.84 $1.84

50.00%

Imported Beer (0.33 liter bottle)

$3.39 NZ$6.00

$1.54 $1.54

120.13%

One-way Ticket (Public Transport)

$1.72 NZ$3.05

$2.95 $2.95

-41.69%

Public Transport Monthly Pass (Regular Price)

$91.8 NZ$162

$60.8 $60.8

51.04%

Taxi Start (Normal Tariff)

$2.29 NZ$4.05

$10.08 $10.08

-77.28%

Taxi (Normal Tariff) (1km)

$2.02 NZ$3.57

Taxi 1hour Waiting (Normal Tariff)

$31.49 NZ$55.7

Gasoline (1 liter)

$1.82 NZ$3.22

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

$24.8K NZ$43.9K

$38.9K $38.9K

-36.09%

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

$21.6K NZ$38.3K

$35.7K $35.7K

-39.46%

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

$178 NZ$314

$339 $339

-47.66%

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

$26.63 NZ$47.10

$75.9 $75.9

-64.91%

Internet (50+ Mbps, Unlimited Data)

$49.80 NZ$88.1

$97.4 $97.4

-48.87%

Gym Membership (Monthly)

$36.99 NZ$65.4

Cinema Ticket

$12.91 NZ$22.83

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

$1,104 NZ$1,952

International Primary School, 1 Child (Yearly)

$19.0K NZ$33.7K

Jeans (Levis 501 Or Similar)

$80.2 NZ$142

Summer Dress (H&M, Zara, etc)

$40.21 NZ$71.1

Sport Shoes (Adidas, Nike)

$93.8 NZ$166

Men's Leather Business Shoes

$109 NZ$193

1-bedroom Apartment, City Center (Monthly)

$847 NZ$1,498

1-bedroom Apartment, Outside City Center (Monthly)

$898 NZ$1,588

3-bedroom Apartment, City Center (Monthly)

$1,575 NZ$2,786

3-bedroom Apartment, Outside City Center (Monthly)

$1,562 NZ$2,762

Buy Apartment in City Center (m2)

$4,690 NZ$8,294

Buy Apartment Outside City Center (m2)

$3,670 NZ$6,490

20-Year Fixed Mortgage Interest Rate (Annual %)

5.37

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

Last update for Papamoa Beach: October 13, 2026

Last update for Agana Heights: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Papamoa Beach

$898 43.7%

Agana Heights

–

Groceries & Markets

Papamoa Beach

$341 16.6%

Agana Heights

–

Monthly Utilities & Internet

Papamoa Beach

$254 12.4%

Agana Heights

–

Eating Out

Papamoa Beach

$240 11.7%

Agana Heights

–

Clothing & Footwear

Papamoa Beach

$146 7.1%

Agana Heights

–

Getting Around

Papamoa Beach

$111 5.4%

Agana Heights

–

Sport & Entertainment

Papamoa Beach

$63 3.1%

Agana Heights

–

Good to know

🇳🇿 Papamoa Beach

🇬🇺 Agana Heights

🕒 Local time

10:50 10:50 AM

07:50 7:50 AM

3 h behind Papamoa Beach

🌤 Weather

👥 Population

25,272

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 18, 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 18, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

USD to NZD in detail →

On the map

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Between locations

Papamoa Beach Agana Heights 6,570 km ≈ 9 h nonstop flight

From you

Papamoa Beach
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

Papamoa Beach vs Agana Heights: Cost of Living - Frequently Asked Questions

Agana Heights wins on cost – living expenses run 104% lower than in Papamoa Beach. 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 $3,080 in Papamoa Beach 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 $2,053 per month in Papamoa Beach versus $1,006 in Agana Heights – a 104% gap that adds up to real savings over time for anyone picking the cheaper option.

Shoppers in Papamoa Beach pay roughly 20% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,006 in Agana Heights versus $2,053 in Papamoa Beach, a $1,000 budget is realistic in Agana Heights but tight or insufficient in Papamoa Beach. 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, Papamoa Beach 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 104% less than in Papamoa Beach. Beyond cost, consider language, visa policies, and how big the international community is in each city.