Last update: Oct 2026

Cost of Living Comparison Between Thames and Agana Heights

For one person, living is cheaper in Agana Heights: $1,006 a month against $1,966 in Thames, rent and utilities included – about $11,500 less a year. Rent and utilities account for most of the difference.

96

Cost of Living Index in Thames
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Thames Living Index

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Thames

🇳🇿 New Zealand

$1,966

/mo nomad

Agana Heights

🇬🇺 Guam

$1,006

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,966 in Thames versus $1,006 in Agana Heights.

Thames $1,966
Agana Heights $1,006

Estimated couple costs with rent: $2,999 in Thames versus $1,356 in Agana Heights.

Thames $2,999
Agana Heights $1,356

Monthly costs for a family of three with rent: $4,032 in Thames versus $1,707 in Agana Heights.

Thames $4,032
Agana Heights $1,707

Living in Thames is roughly 95% more expensive than in Agana Heights, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Thames is 46% above, Agana Heights is 25% below.

Meal at Budget Restaurant

$13.93 NZ$24.63

Three-Course Dinner for Two, Mid-Range

$68.4 NZ$121

Fast Food Meal (McDonalds, etc)

$8.89 NZ$15.72

Cappuccino

$3.42 NZ$6.06

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

$2.02 NZ$3.57

Water (0.33 liter bottle)

$1.74 NZ$3.08

Local Beer (0.5 liter draught)

$6.88 NZ$12.16

Imported Beer (0.33 liter bottle)

$6.73 NZ$11.90

Milk (1 liter)

$1.87 NZ$3.31

$1.70 $1.70

10.00%

White Bread (500g)

$2.22 NZ$3.93

$4.65 $4.65

-52.26%

Rice (white) (1kg)

$1.79 NZ$3.16

$1.70 $1.70

5.29%

Eggs

$6.20 NZ$10.97

$4.08 $4.08

51.96%

Local Cheese (1kg)

$8.79 NZ$15.55

$25.94 $25.94

-66.11%

Chicken Fillets (1kg)

$9.68 NZ$17.11

$6.60 $6.60

46.67%

Beef Round Steak (1kg)

$16.82 NZ$29.74

$17.90 $17.90

-6.03%

Apples (1kg)

$2.80 NZ$4.95

$3.99 $3.99

-29.82%

Banana (1kg)

$2.16 NZ$3.82

$1.20 $1.20

80.00%

Oranges (1kg)

$2.91 NZ$5.14

$1.92 $1.92

51.56%

Tomato (1kg)

$5.75 NZ$10.17

$6.72 $6.72

-14.43%

Potato (1kg)

$2.13 NZ$3.77

$2.82 $2.82

-24.47%

Onion (1kg)

$1.52 NZ$2.69

$2.85 $2.85

-46.67%

Lettuce (1 head)

$1.98 NZ$3.50

$4.07 $4.07

-51.35%

Water (1.5 liter bottle)

$1.04 NZ$1.84

$2.02 $2.02

-48.51%

Cigarettes 20 Pack (Marlboro, Camel)

$26.57 NZ$46.99

$9.81 $9.81

170.85%

Wine (Bottle)

$10.25 NZ$18.12

$12.18 $12.18

-15.85%

Local Beer (0.5 liter bottle)

$2.84 NZ$5.02

$1.84 $1.84

54.35%

Imported Beer (0.33 liter bottle)

$3.38 NZ$5.98

$1.54 $1.54

119.48%

One-way Ticket (Public Transport)

$1.45 NZ$2.56

$2.95 $2.95

-50.85%

Public Transport Monthly Pass (Regular Price)

$75.4 NZ$133

$60.8 $60.8

24.03%

Taxi Start (Normal Tariff)

$2.30 NZ$4.06

$10.08 $10.08

-77.18%

Taxi (Normal Tariff) (1km)

$1.92 NZ$3.40

Taxi 1hour Waiting (Normal Tariff)

$32.20 NZ$56.9

Gasoline (1 liter)

$1.87 NZ$3.31

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

$25.1K NZ$44.5K

$38.9K $38.9K

-35.29%

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

$21.7K NZ$38.4K

$35.7K $35.7K

-39.31%

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

$183 NZ$324

$339 $339

-45.95%

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

$26.20 NZ$46.33

$75.9 $75.9

-65.48%

Internet (50+ Mbps, Unlimited Data)

$50.7 NZ$89.6

$97.4 $97.4

-47.99%

Gym Membership (Monthly)

$41.84 NZ$74.0

Cinema Ticket

$13.10 NZ$23.17

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

$1,135 NZ$2,007

International Primary School, 1 Child (Yearly)

$19.2K NZ$34.0K

Jeans (Levis 501 Or Similar)

$79.2 NZ$140

Summer Dress (H&M, Zara, etc)

$39.93 NZ$70.6

Sport Shoes (Adidas, Nike)

$92.3 NZ$163

Men's Leather Business Shoes

$111 NZ$197

1-bedroom Apartment, City Center (Monthly)

$930 NZ$1,645

1-bedroom Apartment, Outside City Center (Monthly)

$821 NZ$1,451

3-bedroom Apartment, City Center (Monthly)

$1,484 NZ$2,624

3-bedroom Apartment, Outside City Center (Monthly)

$1,486 NZ$2,629

Buy Apartment in City Center (m2)

$4,552 NZ$8,050

Buy Apartment Outside City Center (m2)

$3,773 NZ$6,673

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 Thames: 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

Thames

$821 41.7%

Agana Heights

–

Groceries & Markets

Thames

$337 17.1%

Agana Heights

–

Monthly Utilities & Internet

Thames

$260 13.2%

Agana Heights

–

Eating Out

Thames

$242 12.3%

Agana Heights

–

Clothing & Footwear

Thames

$145 7.4%

Agana Heights

–

Getting Around

Thames

$93 4.7%

Agana Heights

–

Sport & Entertainment

Thames

$68 3.5%

Agana Heights

–

Good to know

🇳🇿 Thames

🇬🇺 Agana Heights

🕒 Local time

07:42 7:42 AM

04:42 4:42 AM

3 h behind Thames

🌤 Weather

👥 Population

7,500

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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Between locations

Thames Agana Heights 6,480 km ≈ 9 h nonstop flight

From you

Thames
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

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

Agana Heights wins on cost – living expenses run 95% lower than in Thames. 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 $2,949 in Thames 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 $1,966 per month in Thames versus $1,006 in Agana Heights – a 95% gap that adds up to real savings over time for anyone picking the cheaper option.

Shoppers in Thames pay roughly 22% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,006 in Agana Heights versus $1,966 in Thames, a $1,000 budget is realistic in Agana Heights but tight or insufficient in Thames. 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, Thames 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 95% less than in Thames. Beyond cost, consider language, visa policies, and how big the international community is in each city.