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Updated Fact-checked 9 min read
Dean Calloway
Senior Craps Editor 12+ yrs
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Craps payout chart
What every bet pays, what it would pay if the count were honest, and where the difference goes. With dollar examples, the 3-4-5× scheme explained, and a list of the positions casinos quietly reconfigure.
Reference · payoutsTrue odds vs payoutsWorked dollar examplesThe 3-4-5× odds scheme
Why the chart has to be read two columns at a time
The 'pays' column answers the question of how much money you get handed. The 'true odds' column answers what you would be handed if the count matched the probability. The gap between them is the house edge — not an abstract percentage from a textbook, but actual money that stays in the rack every time a bet settles.
Which leads to a counter-intuitive rule: the bigger the payout, the more expensive the bet tends to be. Any Seven pays 4:1 and looks generous, but the true odds are 5:1 — and that one missing unit becomes a 16.67% house edge. Free odds, by contrast, pay a dull 6:5 and take nothing at all.
Quick reference
0% House edge on free odds
6× Max odds win under 3-4-5×
7:6 Place 6 and 8 — bet in multiples of 6
30:1 Payout on 2 or 12 (true odds 35:1)
2.78% Field when the 12 pays 3:1
5.56% Field when the 12 pays 2:1
The full craps payout chart
Read the columns in pairs: on the left, what the house would pay on an honest count; on the right, what it actually pays. Rows run from the cheapest positions to the most expensive.| Bet | True odds | Pays | House edge |
|---|---|---|---|
| Pass Line / Come | 251:244 | 1:1 | 1.41% |
| Don’t Pass / Don’t Come | 976:949 | 1:1 (12 is a push) | 1.36% |
| Odds behind Pass: point 4/10 | 2:1 | 2:1 | 0% |
| Odds behind Pass: point 5/9 | 3:2 | 3:2 | 0% |
| Odds behind Pass: point 6/8 | 6:5 | 6:5 | 0% |
| Laying odds behind Don’t Pass | 1:2 · 2:3 · 5:6 | 1:2 · 2:3 · 5:6 | 0% |
| Place 6 / 8 | 6:5 | 7:6 | 1.52% |
| Place 5 / 9 | 3:2 | 7:5 | 4.00% |
| Place 4 / 10 | 2:1 | 9:5 | 6.67% |
| Buy 6 / 8 (vig on wins) | 6:5 | 6:5 − 5% | 2.27% |
| Buy 5 / 9 (vig on wins) | 3:2 | 3:2 − 5% | 2.00% |
| Buy 4 / 10 (vig on wins) | 2:1 | 2:1 − 5% | ≈1.67% |
| Field | — | 1:1 (2 and 12 at 2:1 / 3:1) | 5.56% / 2.78% |
| Big 6 / Big 8 | 6:5 | 1:1 | 9.09% |
| Hard 6 / 8 | 10:1 | 9:1 | 9.09% |
| Hard 4 / 10 | 8:1 | 7:1 | 11.11% |
| Any Craps | 8:1 | 7:1 | 11.11% |
| 3 or 11 | 17:1 | 15:1 | 11.11% |
| 2 or 12 | 35:1 | 30:1 | 13.89% |
| Any Seven | 5:1 | 4:1 | 16.67% |
Where the edge is zero
Three rows of this chart read identically in both columns: odds behind the Pass Line, laying odds behind Don’t Pass, and anything else paid at true odds. They are the only positions in a casino where the house takes nothing at all. Everything else is a question of how much you agree to hand over.
Payouts in dollars: $5, $10 and $25 bets
Percentages are hard to hold in your head; dollars are not. Below is the net win each bet produces — your stake comes back on top of it.| Bet | Pays | On $5 | On $10 | On $25 |
|---|---|---|---|---|
| Pass Line / Don’t Pass | 1:1 | $5 | $10 | $25 |
| Place 6 / 8 * | 7:6 | $7 (on $6) | $14 (on $12) | $28 (on $24) |
| Place 5 / 9 | 7:5 | $7 | $14 | $35 |
| Place 4 / 10 | 9:5 | $9 | $18 | $45 |
| Field (regular number) | 1:1 | $5 | $10 | $25 |
| Hard 6 / 8 | 9:1 | $45 | $90 | $225 |
| 2 or 12 | 30:1 | $150 | $300 | $750 |
* Place 6 and Place 8 pay 7:6, so the bet has to divide by 6. The row uses the nearest correct amounts: $6, $12 and $24.
Rounding always favours the house
Casinos do not pay fractional cents — they round the win down. Put $5 on Place 6 instead of $6, and a 7:6 payout works out to $5.83 while you get handed $5. Small change on one bet becomes a visible increase in the house edge across a session. Keep Place 6/8 in multiples of $6, Place 5/9 and 4/10 in multiples of $5, and size a Buy so the prospective win divides by 20, letting the 5% vig come out cleanly.
Odds by point and the 3-4-5× scheme
The advice to “take maximum odds” runs into a cap set not by the game’s designer but by the individual casino. The most common scheme is 3-4-5×: the multiple is tied to the probability of the point so that the odds portion wins the same amount whatever the point turns out to be1.| Point | Max odds on a $10 line bet | Pays | Odds win | Total profit |
|---|---|---|---|---|
| 4 or 10 | 3× = $30 | 2:1 | $60 | $70 |
| 5 or 9 | 4× = $40 | 3:2 | $60 | $70 |
| 6 or 8 | 5× = $50 | 6:5 | $60 | $70 |
The scheme suits both sides: it is easier for the dealer to count and easier for the player to plan around. Laying odds behind Don’t Pass work on the same principle, with the prices simply inverted2, because the underlying bet predicts the opposite outcome.
How to use this
Under 3-4-5× you do not need to remember which multiple goes with which point. It is enough to know that the maximum odds win is always six times the line bet. Put $10 on the line, and the odds ceiling is a $60 win on any number.
How to read the payouts
Notations like 7:6 or 9:5 throw beginners, though the logic is simple: the second number is your bet, the first is the net win on top of a returned stake.- 1:1 — bet $10, collect $10 in profit plus your $10 back.
- 3:2 — bet $10, collect $15 in profit.
- 7:6 — bet $6, collect $7 in profit.
- 7:1 — bet $10, collect $70 in profit.
'30 to 1' is not '30 for 1'
30 to 1 is your stake back plus thirty times the win. 30 for 1 is thirty back in total, stake included — a net profit of 29. The same payout at a glance, one unit less in your hand. Sometimes it is careless wording, sometimes a deliberate operator decision.
The core craps rules and the standard payouts are the same nearly everywhere, and nobody touches the line bets at all. But everything beyond the line is the individual house’s to reconfigure. So knowing what every bet does is essential — and assuming any given table sticks to the canon is not.
When a payout looks wrong: checking it in a minute
An online table settles instantly, and following the count in the moment is impossible. Checking it afterwards is not: every licensed operator keeps a round history. The review takes a minute and nearly always ends in one of seven standard explanations.Work from two rules. First, the net win and the returned stake are different amounts — the cashier receives their sum, while the paytable lists only the win. Second, the line and the odds settle separately, so a single round can produce two credits.
| What you see | What happened | Is that correct? |
|---|---|---|
| A few dollars less than your calculation | The fractional part rounded down | Yes — keep the bet divisible by the denominator |
| Exactly your stake back, no win | A come-out 12 with Don’t Pass — a push | Yes, that is the rule |
| The six hit and it paid 1:1 | The bet was on Big 6, not Place 6 | Yes, but the bet was a poor choice: 9.09% against 1.52% |
| 5% deducted from a Buy win | The vig is taken at payout, not at placement | Yes, and this is the version that favours you |
| Two separate amounts arrived | The line bet and the odds were paid separately | Yes, add them together |
| A Place bet did not pay though the number hit | Place bets are OFF by default on the come-out | Yes, unless you called them working |
| A price lower than the chart above | A short-paying table | No — that table is worth closing |
The first six rows are a table working normally, and raising them with support achieves nothing. Only the last row is a genuine reason to act — and the action is not a complaint but a change of venue: the payouts are written into the game rules, and the operator has broken nothing. It has simply set them below standard.
What to keep if a question does remain
Support does not need a retelling, it needs an identifier: the round number from the game history, the date and time in your account’s timezone, the stake, and the table name. With those four details the round is pulled from the provider’s logs in minutes. Without them the dispute turns into a multi-day email thread.
What varies from table to table
A handful of positions simply have no settled standard. Those are the places to look closely.- The Field on 2 and 12. Some tables pay 2:1, others 3:1. The difference in house edge is enormous: 5.56% against 2.78%.
- The one-roll 2 or 12. Whether it reads “30 to 1” or “30 for 1” changes the net profit from 30 units to 29.
- The odds multiple cap. Anywhere from 2× to 10×, and it decides how far down you can push the combined house edge.
- Payouts in machines. In Bubble Craps the math of the side bets is frequently reworked — almost always against the player.
The rule for finding a table
A table paying above standard does not exist. The standard is the best available, and any deviation runs one way. So the job when choosing a table is not “find a generous one” but “don’t sit at a trimmed one”.
One telling fact: Big 6 and Big 8 are the same bet as Place 6 and Place 8, paid 1:1 instead of 7:6. In Atlantic City the regulator banned it outright3. It is a rare case of a bet’s quality being judged by a supervisory body rather than by the players.
Cheat sheet: what to know by heart
Experienced players carry the standard payouts in their heads. Until the numbers settle, here is the minimum set — the block prints as-is withCtrl + P.
| What | Value |
|---|---|
| Pass Line / Don’t Pass / Come | 1:1 |
| Odds on 4 and 10 | 2:1 |
| Odds on 5 and 9 | 3:2 |
| Odds on 6 and 8 | 6:5 |
| Place 6 and 8 | 7:6 — bet in multiples of 6 |
| Place 5 and 9 | 7:5 — bet in multiples of 5 |
| Place 4 and 10 | 9:5 — bet in multiples of 5 |
| Hard 6 and 8 | 9:1 |
| Hard 4 and 10 | 7:1 |
| Any Craps | 7:1 |
| 3 or 11 | 15:1 |
| 2 or 12 | 30:1 |
| Any Seven | 4:1 — do not bet |
You can drill these with nothing at stake at the free craps table: the payouts there are exactly the ones you will meet playing for money.
Place or Buy — which to take on each number
The same prediction, two settlement mechanics, and very different prices.
| Numbers | Place | Buy (vig on wins) | Take |
|---|---|---|---|
| 6 and 8 | 7:6 — 1.52% | 6:5 − 5% — 2.27% | Place |
| 5 and 9 | 7:5 — 4.00% | 3:2 − 5% — 2.00% | Buy |
| 4 and 10 | 9:5 — 6.67% | 2:1 − 5% — ≈1.67% | Buy |
Common questions about craps payouts
What does a 7:6 payout mean?
For every $6 you bet you receive $7 in net winnings on top of your returned stake. A $12 bet wins $14, an $18 bet wins $21, a $300 bet wins $350. That is exactly why Place 6 and Place 8 bets should be made in multiples of six: otherwise the payout rounds down and the house edge grows.
What do odds bets pay?
True odds: 2:1 on a point of 4 or 10, 3:2 on 5 or 9, and 6:5 on 6 or 8. The house edge here is exactly 0%. Most tables cap the size of an odds bet with the 3-4-5× scheme, under which the maximum odds win is the same on every point — six times the flat line bet.
What are the true odds on a one-roll 2 or 12?
35:1 — the two can be made in exactly one of thirty-six ways. An honest payout would be 35:1, but the table pays 30:1, and sometimes prints '30 for 1', which really means 29:1. The gap between true odds and payout produces a 13.89% house edge.
Why does my table only pay 2:1 on the Field 2 and 12?
That is a decision by the individual operator or machine developer. There is no standard for that line, and the difference is fundamental: at 2:1 on the twelve the house edge is 5.56%, at 3:1 it is 2.78% — half the price. The 3:1 version is what to look for, though even it stays more expensive than the line bets.
Do all casinos offer the same payouts?
No. Line bets and odds are standard nearly everywhere, but the Field, the propositions and above all the paytables in bubble machines get reconfigured at the operator's discretion — always downwards. Tables paying above standard do not exist, so the job when choosing is not to find a generous table but to avoid a short-paying one.
Why does the bet size have to divide by the denominator?
Because casinos round fractional payouts down. A $5 bet on Place 6 at 7:6 works out to $5.83 and gets paid $5 — and the cents lost on every bet across a session add up to a real increase in the house edge. Keep Place 6/8 in multiples of $6 and Place 5/9 and 4/10 in multiples of $5.
What is laying odds?
It is the odds bet behind a Don't Pass or Don't Come wager. The prices are inverted — 1:2 on the 4 and 10, 2:3 on 5 and 9, 5:6 on 6 and 8 — because you are now the favourite and risking more to win less. The house edge here is also 0%. Do not confuse it with a Lay bet on a number, which carries a 5% vig.
Related reading
Notes
- The 3-4-5× structure levels out the win: 3× at 2:1, 4× at 3:2 and 5× at 6:5 all produce the same result — six times the flat line bet on any point. With $10 on the Pass Line the odds portion always wins $60: easier for the dealer to count, easier for the player to plan a bankroll around. ↩
- Laying odds behind Don't Pass are paid at true odds (1:2 on 4 and 10, 2:3 on 5 and 9, 5:6 on 6 and 8) with a zero house edge. Do not confuse them with Lay bets on specific numbers, where the casino charges a 5% commission. ↩
- Big 6 and Big 8 duplicate Place 6 and Place 8 (7:6, 1.52%) at a 1:1 payout and a 9.09% house edge. The Atlantic City regulator banned the bet outright — a telling verdict on its quality, delivered by a supervisory body rather than by players. ↩