Million-dollar home sales climbed sharply across Florida in July, with condo and townhouse sales up more than 31% and single-family sales up more than 27%.

Buyers should weigh debt, savings, taxes, insurance and other costs when deciding how much home they can comfortably afford.

Florida home sales and pending sales continued to rise in July, suggesting buyers are moving forward even as the mortgage-rate advantage they had earlier this year fades.

Florida placed 19 cities among SmartAsset’s top 75 U.S. boomtowns, led by Palm Coast, North Port and Palm Bay, based on housing, workforce and economic growth.