craps payout table 2026
Master craps payout tables with real odds, hidden house edges, and smart betting strategies. Play smarter today.>
craps payout table
A craps payout table isn’t just a list of numbers—it’s your financial blueprint at the dice table. Understanding this table separates disciplined players from those feeding the casino’s bottom line. Every bet on a craps layout carries a mathematical cost, often disguised as excitement or “hot streaks.” This guide cuts through the noise with precise payout ratios, true odds comparisons, and jurisdiction-aware warnings for players in regulated markets like the UK, Canada, Ireland, and New Zealand.
Why does the craps payout table matter? Because it reveals where the house edge hides—and how to avoid it. Most beginners focus on flashy proposition bets without realizing they’re accepting house edges over 11%. Meanwhile, savvy players stack “Odds” behind Pass Line bets, reducing their effective edge to near zero. The difference isn’t luck. It’s literacy.
The Anatomy of a Smart Craps Bet
Not all craps bets are created equal. In fact, they fall into three distinct tiers based on value:
- Tier 1 (Essential): Pass/Don’t Pass, Come/Don’t Come + Odds
- Tier 2 (Situational): Place bets on 6/8, Lay bets on 4/10
- Tier 3 (Avoid): Proposition bets (Any Seven, Hard Ways, Horn, World)
Tier 1 bets form the backbone of low-edge craps strategy. The Pass Line pays even money (1:1), matching its true odds, resulting in a modest 1.41% house edge. But here’s the secret: when you back it with “Odds,” the casino pays true odds with zero house edge. That’s right—free money from the casino’s perspective, but only if you know how to claim it.
In regulated markets like the UK, licensed operators (UKGC, MGA) must display theoretical RTPs. For craps, this translates directly to house edge. A 1.41% edge means an RTP of 98.59%—among the best in the casino. Compare that to online slots (often 94–96% RTP) and the math becomes obvious.
Place bets on 6 and 8 offer another semi-respectable option. The true odds are 6:5, but casinos pay 7:6—a slight discount that creates a 1.52% edge. Still acceptable for players who dislike the come-out roll volatility. But place 5/9? A 4% edge. Place 4/10? Nearly 6.7%. These should be avoided unless you’re chasing a specific short-term goal with eyes wide open.
What Others Won't Tell You
Most craps guides hype “easy wins” or “hot shooter” myths. They won’t tell you these critical truths:
- “True odds” aren’t always paid fairly. Only Odds bets receive true payouts. Everything else is discounted.
- Commission structures vary. Buy and Lay bets charge a 5% commission—but is it on the bet or the win? In some jurisdictions (e.g., certain Canadian provinces), it’s charged upfront; in others (like Malta-licensed sites), it’s deducted from winnings. This changes your effective return.
- Field bet traps. Many players assume Field is “safe” because it covers half the numbers. But if 2 and 12 pay only 2:1 (not 3:1), the house edge jumps to 5.56%. Always check the table layout—online or live.
- Proposition bets are mathematically predatory. Any Seven has a 16.67% house edge. That means for every £100 wagered, you lose £16.67 on average. Over time, this erodes bankrolls faster than roulette or baccarat.
- Bonus terms can void craps contributions. In the UK and Ireland, many casino bonuses exclude table games or count craps at 0–10% toward wagering. Deposit £50 with a 35x wagering requirement? If craps counts 0%, you’ll never clear it playing dice.
Also, beware of “craps tournaments” or “dice challenges” marketed on social media. These often operate outside licensed jurisdictions. Always verify licensing: look for UK Gambling Commission (UKGC), Malta Gaming Authority (MGA), or Kahnawake (for Canadian players) seals before depositing.
The Definitive Craps Payout Table
Below is a comprehensive craps payout table covering major bets, true odds, casino payouts, and resulting house edges. Use this as your reference before placing any wager.
| Bet | True Odds | Casino Payout | House Edge |
|---|---|---|---|
| Pass Line | 1:1 | 1:1 | 1.41% |
| Don’t Pass | 1:1 | 1:1 | 1.36% |
| Come | 1:1 | 1:1 | 1.41% |
| Don’t Come | 1:1 | 1:1 | 1.36% |
| Odds (Pass/Come) | Varies by point | True odds | 0% |
| Odds (Don’t Pass/Don’t Come) | Varies by point | True odds | 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 4/10 | 2:1 | 2:1 minus 5% commission | 4.76% |
| Buy 5/9 | 3:2 | 3:2 minus 5% commission | 4.76% |
| Buy 6/8 | 6:5 | 6:5 minus 5% commission | 4.76% |
| Lay 4/10 | 1:2 | 1:2 minus 5% commission | 2.44% |
| Lay 5/9 | 2:3 | 2:3 minus 5% commission | 3.23% |
| Lay 6/8 | 5:6 | 5:6 minus 5% commission | 4.00% |
| Field (2/12 pays 2:1) | — | 1:1 (2/12: 2:1) | 5.56% |
| Field (2/12 pays 3:1) | — | 1:1 (2/12: 3:1) | 2.78% |
| Any Craps (2,3,12) | 8:1 | 7:1 | 11.11% |
| Any Seven | 5:1 | 4:1 | 16.67% |
| Hard 6/8 | 10:1 | 9:1 | 9.09% |
| Hard 4/10 | 8:1 | 7:1 | 11.11% |
| Yo (11) | 17:1 | 15:1 | 11.11% |
| Hi-Lo (2 or 12) | 17:1 | 15:1 | 11.11% |
| World (Whirl) | — | 26:5 on 2/12, 11:5 on 3/11, push on 7 | 13.33% |
| Horn | — | 27:4 on 2/12, 3:1 on 3/11 | 12.50% |
Note: Odds bets require a base Pass/Don’t Pass or Come/Don’t Come wager. Maximum Odds allowed vary by casino—common limits are 3x-4x-5x (3x on 4/10, 4x on 5/9, 5x on 6/8). Some online casinos offer 100x Odds, drastically lowering your overall edge.
How to Use the Payout Table in Real Play
Start with a Pass Line bet (£10 minimum is common in UK online casinos). When a point is established (4,5,6,8,9,10), immediately place an Odds bet behind it. For example:
- Point = 6 → True odds = 6:5 → Bet £20 Odds → Win £24 if 6 hits before 7
- Point = 4 → True odds = 2:1 → Bet £20 Odds → Win £40 if 4 hits before 7
Your total risk: £30. Your potential return: £50 (including original £10 Pass win). The Pass portion carries 1.41% edge; the Odds portion carries 0%. Combined, your effective house edge drops to ~0.85% with single Odds—and lower with higher multiples.
For Don’t Pass players, reverse the logic. After point establishment, Lay Odds against the number. On a 6, true odds are 5:6—you bet £24 to win £20. Again, 0% edge on the Odds portion.
Never mix Tier 1 and Tier 3 bets. Adding a £5 Any Seven “for fun” increases your session’s average house edge by over 10%. Discipline beats impulse every time.
Regional Considerations: UK, Canada, Ireland, NZ
While craps rules are universal, regulatory environments differ:
- UK: All licensed operators must offer reality checks, deposit limits, and self-exclusion tools (GamStop). Bonuses often exclude table games entirely.
- Canada: Provincial regulations vary. Kahnawake-licensed sites dominate. Interac deposits are instant; withdrawals may take 1–3 days.
- Ireland: Similar to UK under EU frameworks. Credit card gambling banned since 2020—use debit or e-wallets.
- New Zealand: Domestic operators prohibited, but offshore sites (MGA-licensed) are accessible. No local taxes on winnings.
Always confirm the casino’s license number in the footer. Unlicensed sites may manipulate RNGs or delay payouts—especially on high-variance bets like Hard Ways.
FAQ
What is the best bet on a craps payout table?
The best bet is the Odds wager behind Pass/Don’t Pass or Come/Don’t Come—it carries a 0% house edge. Combine it with the base bet (1.36–1.41% edge) for the lowest overall cost in the casino.
Why do casinos pay less than true odds on most bets?
The difference between true odds and casino payout is the house edge—the built-in profit margin. For example, Any Seven has true odds of 5:1, but pays 4:1. That 1-unit difference per 5 units wagered equals a 16.67% edge.
Do online craps games use fair RNGs?
Licensed online casinos (UKGC, MGA, Kahnawake) must use certified RNGs tested by third parties like eCOGRA or iTech Labs. Always verify certification before playing.
Can I use bonuses to play craps?
Rarely. Most casino bonuses exclude table games or count craps at 0–10% toward wagering requirements. Check terms carefully—using bonus funds on excluded games may void winnings.
What’s the difference between Buy and Place bets?
Buy bets pay true odds minus a 5% commission but are better for 4/10. Place bets pay less than true odds but no commission—better for 6/8. For 5/9, Place (4% edge) slightly beats Buy (4.76% edge).
Is craps legal in my country?
Craps is legal in licensed online casinos across the UK, Canada, Ireland, and New Zealand. However, domestic operation may be restricted (e.g., NZ prohibits local licenses). Always play at internationally licensed sites with clear regulatory oversight.
Conclusion
The craps payout table is more than reference material—it’s a strategic weapon. Armed with accurate odds, house edge data, and regional compliance knowledge, you shift from hopeful gambler to informed player. Focus on Tier 1 bets, ignore the siren call of proposition wagers, and always verify operator licensing. In regulated markets, transparency is your ally. Use it. The dice don’t care about your hopes—but the math does. Play accordingly.
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