Three Rivers, Texas.
Typical home $209,270 (-0.2% in a year).
to buy the typical home at today's mortgage rate — +$366 (+50%) since Jan 2020.
- 1 year
- Down $507 -0%
- $209,776$209,270 since Sep 2025
- 5 years
- Down $19,364 -8%
- $228,633$209,270 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Three Rivers$1,098
- Texas$1,556
- United States$1,922
At the last five years' pace, prices here aren't rising.
Typical home values in Three Rivers, TX fell 0.2% over the past year — slower than the nation's +1.2%.
Living in Three Rivers, Live Oak County, Texas
Three Rivers is a city of 1,474 people in Live Oak County. Unemployment in Live Oak County was 5.9% in August 2026, and the county had 2.9% fewer jobs in 2025 than the year before. The most people in Live Oak County work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Three Rivers is a small South Texas city, and the Frio and Atascosa rivers run in or beside town. Incomes in the county are below the national picture, and homes are valued at a level many would call modest. Few adults here hold a four-year degree, and very few people work from home.
Work. Residents work mostly in schools, hospitals and social care, in shops, in the building trades, and in professional and business services. The largest workplaces in town include Diamond Shamrock Refining Company, the federal prison system run by the Bureau of Prisons, and Three Rivers ISD. Across Live Oak County there are somewhat fewer jobs than a year earlier, and unemployment has edged up over the past year.
Things to do. The Frio River runs in or beside town, and Choke Canyon Reservoir and Choke Canyon State Park are a longer drive away for time on the water and outdoors. Winters are mild with little or no snow, and summers get very hot, so the cooler months suit a day by the water best. Rainfall is modest through the year.
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- 629households
- 12%of adults have a degree
- 6%work from home
What people in Live Oak County work in
Employed residents by industry, from the Census survey. Live Oak County had 3,609 jobs in 2025, 2.9% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 64° and lows near 43°; warmest in August, with highs near 97° and lows near 74°. About 27 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Choke Canyon Dam weather station, 4 miles away (NOAA).
Largest workplaces in Three Rivers
- Diamond Shamrock Refining CompanyRefineries, petroleum298
- Bureau of Prisons/federal Prison SystemFederal government · Department of Justice117
- Three Rivers ISDSchool district106FTE
- Brock ServicesMulti craft94
- Mission Petroleum CarriersTrucking, specialized freight, long-distance60
- BayPetroleum refineries35
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 4 workplaces with 20 or more staff, 487 people in all. Federal offices come from OPM's federal workforce data (2026) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Cold wavesVery high
- HurricanesRelatively high
- Heat wavesRelatively high
- TornadoesRelatively high
- DroughtRelatively moderate
- HailRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Three Rivers’ census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Live Oak County.
Three Rivers home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Three Rivers$209,270
- Texas$296,424
- United States$366,157
Sellers are cutting prices on about 1 in 10 Three Rivers listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Three Rivers10.32%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Three Rivers26
Zip codes with a Three Rivers address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Three Rivers — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.