It’s no surprise that many major cities and several expensive zip codes often have high home prices. But in some cities, the majority of the homes that are for sale are priced at over $1 million. And in many cities where most homes still cost less than seven figures, the percentage of homes listed for $1 million or more has increased over the past year.

Whether you’re on the hunt for luxury real estate — or are looking to avoid high home prices — find out where more million-dollar home are popping up as home prices keep skyrocketing in certain cities.

25. Nashville, Tenn.

• Percentage of homes worth more than $1 million: 2.2%

Although the median home value in Nashville is still relatively affordable at $259,922, the percentage of homes selling for more than $1 million has increased 0.3 percent year-over-year. However, most of the population likely can’t afford these homes — only 5.2 percent of the area’s households earn more than $200,000.

See What You Get for Even More: What a $5 Million Home Looks Like Around the US

24. Phoenix

• Percentage of homes worth more than $1 million: 2.3%

The median home list price in Phoenix — $262,033 — is slightly higher than in Nashville, but it’s still on the lower end compared to the other cities on this list. It’s good that you can still find affordable homes in the area, as only a sliver of the population can actually afford the million-dollar homes in Phoenix: Just 5.6 percent of households earn more than $200,000.

23. Fort Lauderdale, Fla.

• Percentage of homes worth more than $1 million: 2.4%

The number of million-dollar listings in Fort Lauderdale rose by 0.3 percent from 2017 to 2018. The pricey homes in the area would be financially out of reach for those earning the median income in the city: $56,309. That’s one of the lowest median incomes compared to the median income in the other cities included on this list.

Click to See: Best Places to Buy a Vacation Home for Under $200,000

22. Portland, Ore.

• Percentage of homes worth more than $1 million: 2.5%

The inventory of homes worth more than $1 million rose just 0.1 percent from 2017 to 2018 in Portland, but the Pacific Northwest city still has one of the highest concentrations of luxury homes in the U.S. There are also many more affordable homes in the area, with the median listing price at $302,129.

21. Austin, Texas

• Percentage of homes worth more than $1 million: 2.9%

The inventory of million-dollar homes in Austin rose 0.4 percent in 2018. The median listing price in the city is significantly lower than a million, however, at $404,104.

If you’re looking for affordable homes in Austin, head to Georgian Acres — it’s one of the most affordable neighborhoods in the U.S., a separate GOBankingRates study found.

20. Sacramento, Calif.

• Percentage of homes worth more than $1 million: 2.9%

Sacramento’s median home value is the lowest of any city on this list at $230,375. But the number of homes priced above $1 million is growing: The stock of million-dollar homes rose 0.3 percent from 2017 to 2018.

19. Cape Coral-Fort Myers, Fla.

• Percentage of homes worth more than $1 million: 3.3%

The Cape Coral-Fort Myers metro area has a high percentage of million-dollar homes compared to other parts of the country, but its median income is among the lowest on this list — $53,928. Only 5.1 percent of households in the area earn more than $200,000.

18. Denver

• Percentage of homes worth more than $1 million: 3.4%

The capital of Colorado has more than its share of million-dollar homes. Over the course of a year, the number of listings increased by 0.4 percent. Fortunately for prospective buyers, the median list price has remained relatively low compared to other cities on this list at $257,281.

17. North Port-Sarasota-Bradenton, Fla.

• Percentage of homes worth more than $1 million: 3.8%

The North Port-Sarasota-Bradenton metro area is one of two locations included in this study that saw a dip in the inventory of million-dollar homes. The percentage of the housing stock worth more than a $1 million dropped 0.3 percent from 2017 to 2018.

Check Out: The Most and Least Affordable States for Millennials to Buy Homes

16. Newark, N.J.

• Percentage of homes worth more than $1 million: 4.2%

At $251,230, Newark still has a relatively low median home value compared to other cities on this list. And its inventory of homes worth $1 million or more is dropping — it decreased 0.3 percent over the past year.

Million-dollar homes are likely out of reach for most of the population: The median income in Newark is $35,167, which is the lowest of any city in this study. It also has the lowest percentage of households earning more than $200,000 a year: 2.1 percent.

15. Charleston, S.C.

• Percentage of homes worth more than $1 million: 4.8%

The luxury real estate market is growing in Charleston. The percentage of housing stock worth more than $1 million increased 0.8 percent year-over-year in the Southern city, where the median list price is $398,704.

14. Washington, D.C.

• Percentage of homes worth more than $1 million: 4.9%

The nation’s capital offers a high volume of luxury real estate that continued to grow over the past year: The number of million-dollar home listings climbed 0.4 percent in 2018. High-priced homes are actually affordable to a relatively high percentage of the population, with 16.7 percent of households earning more than $200,000.

13. West Palm Beach, Fla.

• Percentage of homes worth more than $1 million: 5.1%

West Palm Beach has a high percentage of million-dollar homes — and also a high percentage of residents who can’t afford them. The median income in this Florida city is $51,871, which is the third lowest of the cities included on this list. Only 5 percent of households in the area earn more than $200,000.

12. Miami

• Percentage of homes worth more than $1 million: 5.9%

There’s no shortage of luxury real estate in Miami, but the inventory of homes worth more than $1 million dollars has stayed the same from 2017 to 2018. It’s probably hard for most of Miami’s population to afford luxury homes given that the median income is $40,327 — the second lowest of the cities included in this study. Only 5.6 percent of the area’s households earn more than $200,000.

11. Silver Spring-Frederick-Rockville, Md.

• Percentage of homes worth more than $1 million: 7.2%

This Maryland metro area is fairly well off. The median income here is $84,393, which is the fifth highest of the cities included in this study. Given that residents are high earners, it makes sense that there’s a high concentration of luxury real estate in the Silver Spring-Frederick-Rockville metro area.

10. Cambridge-Newton-Framingham, Mass.

• Percentage of homes worth more than $1 million: 9.4%

The Cambridge-Newton-Framingham metro area has the fourth-highest median income on this list — $85,691 — and 14.6 percent of households earn more than $200,000. With so many high earners, it’s not a surprise that there’s a high percentage of million-dollar homes in this New England area.

9. Boston

• Percentage of homes worth more than $1 million: 9.8%

Boston — which is home to the most expensive ZIP code in the state of Massachusetts — is another city on the list that experienced exceptional growth in luxury homes. According to the data, million-dollar home listings grew 1.2 percent in 2018. But the median listing price is less than half a million, at $458,920.

8. New York

• Percentage of homes worth more than $1 million: 10.3%

The Big Apple comprises five boroughs, which is one reason it has one of the highest percentages of homes worth more than $1 million for sale in 2018. That figure rose 0.4 percent over the past year.

7. Seattle

• Percentage of homes worth more than $1 million: 13.3%

Luxury real estate in Seattle increased by 1.9 percent from a year earlier. But incomes here are also on the high end — the median income in the city is the third highest of all the places included in this study at $86,822, and 15.8 percent of households earn more than $200,000.

6. San Diego

• Percentage of homes worth more than $1 million: 13.8%

San Diego also has a high inventory of million-dollar homes, and it continued to rise in 2018. Homes for sale with a million-dollar price tag increased 2 percent from last year.

Want to Build? Most and Least Expensive States to Build a Home

5. Los Angeles

• Percentage of homes worth more than $1 million: 19.6%

The number of million-dollar listings in Los Angeles increased 2.2 percent in 2018. That’s the fifth-greatest rise of all the cities in this study. The average listing price is the fifth highest of the included cities at $613,718.

4. Honolulu

• Percentage of homes worth more than $1 million: 19.8%

Honolulu had a 3.7 percent increase in million-dollar home inventory in 2018 — the fourth-greatest increase of all the cities in this study. It also has the fourth-highest median home value of all the cities in this study — $685,091.

Make Your House Even Pricier: Indoor Pools, Bowling Alleys and 25 Over-the-Top Home Upgrades

3. Oakland, Calif.

• Percentage of homes worth more than $1 million: 30.7%

The NorCal city experienced a 5.9 percent increase in home inventory worth over $1 million over the past year — the third-largest increase of all the cities in this study.

Not only does Oakland have the third-highest percentage of million-dollar homes, but it also has the third-highest median list price at $766,684.

2. San Jose, Calif.

• Percentage of homes worth more than $1 million: 70%

San Jose has a significant number of million-dollar residences. Inventory increased 14.2 percent in 2018 — the largest increase of any city on this list. It also has the second-highest median home value at $1.29 million.

Although home values in San Jose are extremely high, the city also has the second-highest median income at $104,675. Over a fifth of the area’s households earn more than $200,000.

1. San Francisco

• Percentage of homes worth more than $1 million: 81%

San Francisco is widely known for its expensive real estate, and it lives up to its reputation with the highest median home value on this list: $1.39 million. The number of million-dollar homes for sale certainly is also proof of its pricey real estate, with 81 percent of its housing inventory priced at $1 million and up. And the million-dollar inventory increased 13.7 percent in 2018 — the second-greatest increase of any city on this list.

Fortunately, it’s also the city with the highest median income — $110,816 — and more than a quarter of households earn over $200,000. Despite that, it’s one of the cities where most of the population can’t afford a home.

California Dominates the Cities With the Most Million-Dollar Homes

Five out of the top 10 cities with the most million-dollar homes are in California, with the top three concentrated in the San Francisco Bay Area. This isn’t too much of a surprise considering the region has been notoriously expensive since long before the housing bubble and recovery. Fueled by booming business, especially in the tech sector, San Francisco, San Jose and Oakland all have more than 30 percent of their home inventories worth $1 million or more.

California home values, specifically, have an additional factor that keeps home prices and values high: Proposition 13, which was passed in the 1970s and put a cap on property taxes. By capping the amount homeowners pay in property tax, the impetus to build more homes and bring home values down — and thus property taxes — is not present. Instead, home building is very restricted, further driving up demand and prices.

The West Coast and Northeast dominate the next segment of cities with million-dollar homes. Honolulu, Los Angeles, San Diego, Seattle and New York all have more than 10 percent of all homes worth $1 million or more. Again, Honolulu and Los Angeles have been pricey for some time, though increased population migration to places like San Diego, and especially Seattle — which is the No. 2 tech spot behind the San Francisco Bay Area — have led to a surge in demand, higher home prices and greater wealth.

However, you don’t need to spend $1 million or more if you want a luxury home. Click through to see states where you might actually be able to afford a mansion.

More on Real Estate

• The Cost to Live in the Most Expensive Zip Codes

• Best and Worst Cities for First-Time Homebuyers

• 13 Best First-Time Homebuyer Programs

• Watch: Get a Glimpse at the Most Expensive Property in America

We make money easy. Get weekly email updates, including expert advice to help you Live Richer™.

Andrew DePietro contributed to the reporting for this article.

Methodology: GOBankingRates found where million-dollar homes are taking over based on two factors: 1) the percentage of housing stock composed of $1 million or higher homes and 2) the increase in million-dollar listings year-over-year. Data was sourced from Trulia. GOBankingRates examined 100 cities and narrowed the results down to 25 cities. They are ranked by cities with the highest estimated percentage of housing stock that is worth more than $1 million in 2018. Median home values and income data are included as additional information, but do not contribute to the ranking of the cities in the study.

This article originally appeared on GOBankingRates.com: Million-Dollar Homes Are Taking Over These 25 Cities