HomeMichiganSt. Joseph CountyThree Rivers city
Three Rivers city, Michigan: commercial real estate data.
Three Rivers city is a Census city of 7,943 people across 5.59 square miles of land, in St. Joseph County. Median household income is $49,503, 53.0 percent of occupied homes are owned, and the SBA record carries 21 7(a) approvals to borrowers here worth $7.8 m.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Three Rivers
What Three Rivers is
- Census place typecity
- Land area5.59 sq mi
- Water area0.27 sq mi
- Population per square mile of land1,421
- County holding the largest share of its areaSt. Joseph County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Three Rivers
How many people live in Three Rivers
- Population7,943
- Median age35.0
- Population under 182,027
- Share under 1825.5 percent
- Population 65 and over1,178 plus or minus 243
- Share 65 and over14.8 percent plus or minus 3.1
- Households3,293
- Family households1,878
- Share of households that are families57.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Three Rivers
Income and work in Three Rivers
- Median household income$49,503
- Per capita income$25,524
- Civilian labor force4,049
- Employed3,637
- Unemployed412 plus or minus 156
- Unemployment rate10.2 percent plus or minus 3.8
- Adults 25 and over5,294
- Adults 25 and over with a high school diploma or higher91.6 percent
- Adults 25 and over with a bachelor degree or higher14.2 percent plus or minus 3.1
- Adults 25 and over with a graduate degree3.9 percent plus or minus 1.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Three Rivers
Housing in Three Rivers
- Housing units3,561
- Occupied units3,293
- Vacant units268 plus or minus 149
- Vacancy rate7.5 percent plus or minus 4.2
- Owner occupied1,744
- Renter occupied1,549
- Ownership rate53.0 percent
- Median owner-occupied home value$134,900
- Median gross rent, monthly$839
- Annual rent as a share of median income20.3 percent
- Single family units2,282
- Share single family64.1 percent
- Units in buildings of two or more1,176 plus or minus 258
- Share in buildings of two or more33.0 percent plus or minus 6.9
- Mobile homes103 plus or minus 51
- Median year structure built1954
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Three Rivers
How Three Rivers gets to work
- Workers 16 and over who commute3,460
- Commuting under 15 minutes1,781
- Share commuting under 15 minutes51.5 percent
- Commuting 30 minutes or more898 plus or minus 199
- Share commuting 30 minutes or more26.0 percent plus or minus 5.4
- Drove alone75.0 percent
- Carpooled14.4 percent plus or minus 4.4
- Public transport1.0 percent plus or minus 1.1
- Walked3.7 percent plus or minus 2.4
- Worked from home3.9 percent plus or minus 1.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Three Rivers
SBA loans in Three Rivers (7(a))
- Approvals21
- Gross approval$7,834,700
- Average approval$373,081
- Median approval$150,000
- Ninetieth percentile approval$980,000
- Largest approval$1,746,900
- Jobs supported244
- Jobs per approval11.6
- Loans with a final outcome5
- Paid in full5
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more9.5 percent
- Share to franchises0.0 percent
- Distinct lenders11
- Distinct industries by NAICS16
A charge-off rate is not published here. only 5 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Three Rivers
SBA loans in Three Rivers (504)
- Approvals8
- Gross approval$3,529,000
- Average approval$441,125
- Median approval$514,000
- Largest approval$903,000
- Jobs supported57
- Loans with a final outcome6
- Charged off0
- Median term240 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Three Rivers
Flood risk in Three Rivers
- Listed NFIP communities1
- Of those, participating1
- NFIP community number260206
- Currently effective map date06/04/10
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
St. Joseph County, not Three Rivers
St. Joseph County context, not Three Rivers figures
These are St. Joseph County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Three Rivers measurements.
- Establishments in St. Joseph County1,149
- Employment at those establishments, St. Joseph County19,429
- Covered employment, St. Joseph County21,098
- Average annual pay, St. Joseph County$53,550
- Average weekly wage, St. Joseph County$1,030
- Housing units permitted, St. Joseph County180
- Of those, single family, St. Joseph County102
- County product, 2024, St. Joseph County$2,875,369,000
- County product change over the prior year, St. Joseph County1.3 percent
- Average income of an arriving household, St. Joseph County$57,369
Every figure in this section is published for St. Joseph County as a whole and is not a measurement of Three Rivers. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Three Rivers questions, answered from the record.
How many people live in Three Rivers, Michigan?
7,943, in 3,293 households. Three Rivers city covers 5.59 square miles of land, which is 1,421 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Three Rivers in?
St. Joseph County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Three Rivers?
$49,503. The median owner-occupied home is valued at $134,900. Median gross rent is $839 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Three Rivers businesses?
21 7(a) approvals totalling $7.8 m, across 11 lenders, median approval $150,000, plus 8 504 approvals worth $3.5 m. These count approvals to borrowers whose address is in Three Rivers, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Three Rivers borrowers get paid back?
No rate is published for Three Rivers. only 5 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is Three Rivers in the National Flood Insurance Program?
Yes. Three Rivers appears in the FEMA Community Status Book as community 260206, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Three Rivers figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for St. Joseph County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Three Rivers.
Is zoning published for Three Rivers?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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