Homeownership comes with a lot of extra expenses, mostly thanks to the taxman.

Due to increasing demand and limited inventory, the nationwide median sale price has reached $226,800, according to Zillow. Values have gone up 5.4% over the past year and are expected to rise another 2.5% in the next year.

On top of that, state and local income taxes, property tax and sales tax can drastically increase the tab, depending on where you live.

To help would-be homeowners keep their budgets in check, personal finance website GoBankingRates determined the best places in which to buy or own a home by looking at median home values as well as state and local tax rates, including income, sales and use tax rates (where applicable) and property taxes as a percentage of market value. The study of the 200 largest U.S. cities is based on data from Zillow and the Census Bureau's 2017 American Community Survey.

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In the best spots, the combination of low taxes and affordable homes that are still increasing in value make owning property more desirable compared with some of the country's pricier locales.

It may come as no surprise that three cities in Florida snagged spots in the top 10: The Sunshine State benefits from a low cost of living and favorable property taxes, as well as no personal income tax at all.