Last update: Oct 2026

Cost of Living Comparison Between Upper Hutt and Agana Heights

For one person, living is cheaper in Agana Heights: $1,006 a month against $1,830 in Upper Hutt, rent and utilities included – about $9,900 less a year. Rent and utilities account for most of the difference.

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Cost of Living Index in Upper Hutt
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Upper Hutt Living Index

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Upper Hutt

🇳🇿 New Zealand

$1,830

/mo nomad

Agana Heights

🇬🇺 Guam

$1,006

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,830 in Upper Hutt versus $1,006 in Agana Heights.

Upper Hutt $1,830
Agana Heights $1,006

Estimated couple costs with rent: $2,844 in Upper Hutt versus $1,356 in Agana Heights.

Upper Hutt $2,844
Agana Heights $1,356

Monthly costs for a family of three with rent: $3,857 in Upper Hutt versus $1,707 in Agana Heights.

Upper Hutt $3,857
Agana Heights $1,707

Living in Upper Hutt is roughly 82% more expensive than in Agana Heights, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Upper Hutt is 36% above, Agana Heights is 25% below.

Meal at Budget Restaurant

$8.28 NZ$14.64

Three-Course Dinner for Two, Mid-Range

$55.8 NZ$98.7

Fast Food Meal (McDonalds, etc)

$8.43 NZ$14.91

Cappuccino

$2.83 NZ$5.00

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

$2.48 NZ$4.38

Water (0.33 liter bottle)

$1.69 NZ$2.98

Local Beer (0.5 liter draught)

$7.36 NZ$13.02

Imported Beer (0.33 liter bottle)

$6.55 NZ$11.58

Milk (1 liter)

$1.85 NZ$3.27

$1.70 $1.70

8.82%

White Bread (500g)

$2.13 NZ$3.77

$4.65 $4.65

-54.19%

Rice (white) (1kg)

$1.89 NZ$3.35

$1.70 $1.70

11.18%

Eggs

$6.72 NZ$11.88

$4.08 $4.08

64.71%

Local Cheese (1kg)

$5.49 NZ$9.71

$25.94 $25.94

-78.84%

Chicken Fillets (1kg)

$9.71 NZ$17.17

$6.60 $6.60

47.12%

Beef Round Steak (1kg)

$15.01 NZ$26.55

$17.90 $17.90

-16.15%

Apples (1kg)

$3.14 NZ$5.55

$3.99 $3.99

-21.30%

Banana (1kg)

$2.14 NZ$3.78

$1.20 $1.20

78.33%

Oranges (1kg)

$2.96 NZ$5.23

$1.92 $1.92

54.17%

Tomato (1kg)

$6.54 NZ$11.56

$6.72 $6.72

-2.68%

Potato (1kg)

$2.09 NZ$3.69

$2.82 $2.82

-25.89%

Onion (1kg)

$1.23 NZ$2.18

$2.85 $2.85

-56.84%

Lettuce (1 head)

$2.08 NZ$3.68

$4.07 $4.07

-48.89%

Water (1.5 liter bottle)

$1.19 NZ$2.11

$2.02 $2.02

-41.09%

Cigarettes 20 Pack (Marlboro, Camel)

$25.35 NZ$44.83

$9.81 $9.81

158.41%

Wine (Bottle)

$11.10 NZ$19.63

$12.18 $12.18

-8.87%

Local Beer (0.5 liter bottle)

$3.13 NZ$5.53

$1.84 $1.84

70.11%

Imported Beer (0.33 liter bottle)

$2.81 NZ$4.97

$1.54 $1.54

82.47%

One-way Ticket (Public Transport)

$1.49 NZ$2.63

$2.95 $2.95

-49.49%

Public Transport Monthly Pass (Regular Price)

$82.7 NZ$146

$60.8 $60.8

36.11%

Taxi Start (Normal Tariff)

$1.86 NZ$3.29

$10.08 $10.08

-81.55%

Taxi (Normal Tariff) (1km)

$1.74 NZ$3.08

Taxi 1hour Waiting (Normal Tariff)

$33.07 NZ$58.5

Gasoline (1 liter)

$1.87 NZ$3.31

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

$25.2K NZ$44.6K

$38.9K $38.9K

-35.10%

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

$25.1K NZ$44.3K

$35.7K $35.7K

-29.89%

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

$109 NZ$192

$339 $339

-68.03%

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

$25.17 NZ$44.52

$75.9 $75.9

-66.83%

Internet (50+ Mbps, Unlimited Data)

$53.1 NZ$93.9

$97.4 $97.4

-45.47%

Gym Membership (Monthly)

$36.65 NZ$64.8

Cinema Ticket

$12.00 NZ$21.22

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

$1,074 NZ$1,899

International Primary School, 1 Child (Yearly)

$12.8K NZ$22.7K

Jeans (Levis 501 Or Similar)

$78.5 NZ$139

Summer Dress (H&M, Zara, etc)

$28.14 NZ$49.77

Sport Shoes (Adidas, Nike)

$103 NZ$183

Men's Leather Business Shoes

$155 NZ$274

1-bedroom Apartment, City Center (Monthly)

$910 NZ$1,609

1-bedroom Apartment, Outside City Center (Monthly)

$795 NZ$1,407

3-bedroom Apartment, City Center (Monthly)

$1,733 NZ$3,065

3-bedroom Apartment, Outside City Center (Monthly)

$1,537 NZ$2,719

Buy Apartment in City Center (m2)

$5,062 NZ$8,953

Buy Apartment Outside City Center (m2)

$3,581 NZ$6,332

20-Year Fixed Mortgage Interest Rate (Annual %)

5.39

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

Last update for Upper Hutt: 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

Upper Hutt

$795 43.5%

Agana Heights

–

Groceries & Markets

Upper Hutt

$332 18.1%

Agana Heights

–

Eating Out

Upper Hutt

$192 10.5%

Agana Heights

–

Monthly Utilities & Internet

Upper Hutt

$187 10.2%

Agana Heights

–

Clothing & Footwear

Upper Hutt

$164 9%

Agana Heights

–

Getting Around

Upper Hutt

$99 5.4%

Agana Heights

–

Sport & Entertainment

Upper Hutt

$61 3.3%

Agana Heights

–

Good to know

🇳🇿 Upper Hutt

🇬🇺 Agana Heights

🕒 Local time

08:26 8:26 AM

05:26 5:26 AM

3 h behind Upper Hutt

🌤 Weather

👥 Population

44,600

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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Upper Hutt Agana Heights 6,820 km ≈ 9 h nonstop flight

From you

Upper Hutt
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

Upper Hutt vs Agana Heights: Cost of Living - Frequently Asked Questions

Agana Heights wins on cost – living expenses run 82% lower than in Upper Hutt. 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 $2,746 in Upper Hutt 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 $1,830 per month in Upper Hutt versus $1,006 in Agana Heights – a 82% gap that adds up to real savings over time for anyone picking the cheaper option.

Shoppers in Upper Hutt pay roughly 24% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,006 in Agana Heights versus $1,830 in Upper Hutt, a $1,000 budget is realistic in Agana Heights but tight or insufficient in Upper Hutt. 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, Upper Hutt 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 82% less than in Upper Hutt. Beyond cost, consider language, visa policies, and how big the international community is in each city.