I live in Florida and my tank stays at 85-90 in the summer. Fish like it. I have two long bubble things, a skeleton that produces large bubbles, and a bubble cave. I also have a powerhead. This is probably way over kill but I have no problems. My fish grow faster (always hungary; think the heat speeds up metabolism) and are more active at high temps. If you think about many ponds, lakes, etc get pretty hot and fish live. Lakes here are shallow 13ft and are around 90 degrees or warmer. We actually sweet in the water. Very uncomfortable but we do like skiing.
I would try a few fish before going over board and buying an ac unit or an expensive chiller. Helps with the electric bill since I just unplug the heaters.