House edge of every bet

The share of each bet a casino keeps on average over a long run. Every figure is our own count, card by card and roll by roll, from a pay table a Canadian operator or publisher prints, named beside it. It is an average cost, not a forecast of one evening.

Pay tables

Blackjack

Blackjack’s edge depends on the rules at the table: the payout for a blackjack, the number of decks and what the dealer does on soft 17. Played at 88 casinos we list.

House edge of blackjack bets
BetHouse edge
Pays 3:2, six decks, dealer hits soft 17All four blackjack rows are worked out by the same engine as our Blackjack strategy tool, with every hand played by the chart: the dealer checks for blackjack, you may double on any two cards and after splitting and split up to four hands, there is no surrender, and the cards are shuffled after every hand.0.62%worked out
Pays 3:2, six decks, dealer stands on soft 170.40%worked out
Pays 6:5, six decks, dealer hits soft 171.98%worked out
Pays 6:5, six decks, dealer stands on soft 171.76%worked out
Free Bet Blackjack: free doubles on 9, 10 and 11, free splits, dealer’s 22 pushesMeasured against the first bet.Played at 37 casinos we list1.09%worked outthe rules Loto-Québec and Fallsview publish0.88%worked outB.C.: BCLC rules, late surrender, no hole card1.09%worked outthe rules Loto-Québec and Fallsview publish
Spanish 21: dealer hits soft 17, bonuses paid on split hands tooBefore the Super Bonus, which lowers it a little.Played at 8 casinos we list0.78%worked out
Insurance, pays 2 to 1A side bet that the dealer’s hidden card is a ten when the up card is an ace. Worked out without your own two cards.7.40%worked outsix decks; 7.47% with eight decksSD 1.39
B.C. (BCLC)Rules published by BCLC for B.C. casinos
  • 6 decks
  • Blackjack pays 3 to 2
  • Dealer hits soft 17
  • Double on any two cards
  • Double after splitting
  • Pairs may be re-split
  • Aces split once, one card each
  • Late surrender
  • No hole card; a dealer blackjack takes only your original bet
  • Insurance pays 2 to 1
  • A 6:5 table opens only alongside a 3:2 table
Fallsview and Casino NiagaraRules Fallsview Casino Resort and Casino Niagara publish for their tables
  • Blackjack pays as posted at the table
  • Soft 17: as posted at the table
  • Split to 4 hands; aces split once, one card each
  • Double after splitting, except split aces
  • Insurance pays 2 to 1
Québec (Loto-Québec)Rules published by Loto-Québec for its casinos
  • 1 to 8 decks
  • Soft 17: as posted at the table
  • Blackjack pays as posted at the table
  • Split to 4 hands; aces split once, one card each
  • Double after splitting, except split aces
  • Insurance pays 2 to 1

The house edge for a given set of these rules is worked out in Blackjack strategy

Roulette

On a given wheel every bet costs the same, except the five-number bet on a double-zero wheel. Played at 84 casinos we list.

B.C.: BCLC’s rules describe double-zero roulette.Québec: Loto-Québec’s rules name English (single zero) and American (double zero) wheels.
House edge of each roulette bet on each wheel
BetSingle zeroDouble zeroTriple zero
Straight upPays 35 to 1 · one number2.70%SD 5.845.26%SD 5.767.69%SD 5.69
SplitPays 17 to 1 · two numbers2.70%SD 4.075.26%SD 4.027.69%SD 3.97
StreetPays 11 to 1 · three numbers2.70%SD 3.285.26%SD 3.247.69%SD 3.20
CornerPays 8 to 1 · four numbers2.70%SD 2.795.26%SD 2.767.69%SD 2.73
Five-number betPays 6 to 1 · 0, 00, 1, 2, 3not on this wheel7.89%SD 2.37not on this wheel
Six linePays 5 to 1 · six numbers2.70%SD 2.215.26%SD 2.197.69%SD 2.16
Dozen or columnPays 2 to 1 · 12 numbers2.70%SD 1.405.26%SD 1.397.69%SD 1.38
Red or black, odd or even, 1–18 or 19–36Pays 1 to 1 · 18 numbers2.70%SD 1.005.26%SD 1.007.69%SD 1.00

Craps

Per bet resolved and per roll: a place bet waits several rolls for its decision, a proposition bet is settled on the next roll. Per roll is the fair way to compare them. Played at 40 casinos we list.

House edge of craps bets
BetHouse edge
Pass line or comePays 1 to 11.41%worked out0.42% per rollSD 1.00
Don’t pass or don’t come, 12 pushesPays 1 to 11.36% per bet made · 1.40% resolvedworked out0.40% per rollSD 1.00
Odds behind the pass linePays true odds: 2 to 1 on 4 or 10, 3 to 2 on 5 or 9, 6 to 5 on 6 or 80%
Pass line with full 1× oddsMeasured against all money bet, pass line and odds together.0.848%worked out0.251% per roll
Pass line with full 2× oddsMeasured against all money bet, pass line and odds together.0.606%worked out0.180% per roll
Pass line with full 3-4-5× oddsMeasured against all money bet, pass line and odds together. Lower only because the free odds bet is counted in the total; in dollars an hour it costs the same as the pass line alone.0.374%worked outthe maximum at B.C. tables0.111% per roll
Pass line with full 5× oddsMeasured against all money bet, pass line and odds together.0.326%worked out0.097% per roll
Pass line with full 10× oddsMeasured against all money bet, pass line and odds together.0.184%worked out0.055% per roll
Place bet on 6 and 8Pays 7 to 61.52%worked out0.46% per rollSD 1.08
Place bet on 5 and 9Pays 7 to 54.00%worked out1.11% per rollSD 1.18
Place bet on 4 and 10Pays 9 to 56.67%worked out1.67% per rollSD 1.32
Big 6 or Big 8Pays 1 to 19.09%worked out2.78% per rollSD 1.00
FieldOne roll: wins on 2, 3, 4, 9, 10, 11 or 12, loses on 5, 6, 7 or 8.5.56%worked out2 to 1 on both 2 and 12, as at B.C. and Québec tablesSD 1.08
Hard 6 or 8Pays 9 to 19.09%worked out2.78% per rollSD 2.87
Hard 4 or 10Pays 7 to 111.11%worked out2.78% per rollSD 2.51
2 or 12Pays 30 to 1, one roll13.89%worked outSD 5.09
3 or 11Pays 15 to 1, one roll11.11%worked outSD 3.66
Any craps (2, 3 or 12)Pays 7 to 1, one roll11.11%worked outSD 2.51
Any sevenPays 4 to 1, one roll16.67%worked outSD 1.86
Hop bet on a pair (for example 3-3)Pays 30 to 1, one roll13.89%worked outSD 5.09
Hop bet on two different numbers (for example 1-4)Pays 15 to 1, one roll11.11%worked outSD 3.66

Baccarat

Eight decks unless stated. Played at 68 casinos we list.

House edge of baccarat bets
BetHouse edge
Banker, 5% commissionPays 1 to 1, less 5%1.06%worked outSD 0.93
PlayerPays 1 to 11.24%worked outSD 0.95
Tie, paid 8 to 1Pays 8 to 114.36%worked outSD 2.64
EZ Baccarat banker: no commission, a three-card banker 7 pushesPays 1 to 1At B.C. tables this game is called Ruyi Baccarat.Played at 15 casinos we list1.02%worked outSD 0.94
Dragon 7: the banker wins with a three-card 7 (at B.C. tables, Gold 7)Pays 40 to 1Played at 15 casinos we list7.61%worked outSD 6.08
Panda 8: the player wins with a three-card 8 (at B.C. tables, Jade 8)Pays 25 to 1Played at 15 casinos we list10.19%worked outSD 4.75

Sic Bo

Pays on the totals, doubles and triples differ between casinos. These are the pays Loto-Québec publishes for its casinos, and Fallsview’s where it prints them; your table’s sign decides. Played at 18 casinos we list.

House edge of sic bo bets
BetHouse edge
Small (4 to 10) or big (11 to 17), not a triplePays 1 to 12.78%worked outSD 1.00
Total of 4 or 17Pays 50 to 129.17%worked outLoto-QuébecSD 5.97
Total of 5 or 16Pays 30 to 113.89%worked outLoto-QuébecSD 5.09
Total of 6 or 15Pays 18 to 112.04%worked outLoto-QuébecSD 3.99
Total of 7 or 14Pays 12 to 19.72%worked outLoto-QuébecSD 3.30
Total of 8 or 13Pays 8 to 112.50%worked outLoto-QuébecSD 2.67
Total of 9 or 12Pays 6 to 118.98%worked outLoto-QuébecSD 2.24
Total of 10 or 11Pays 6 to 112.50%worked outLoto-QuébecSD 2.32
A given double (for example two 4s)Pays 8 to 133.33%worked outLoto-QuébecSD 2.36
A given triple (for example three 4s)Pays 150 to 130.09%worked outLoto-QuébecSD 10.25
Any triplePays 30 to 1 (Fallsview), 24 to 1 (Loto-Québec)13.89% to 30.56%worked outSD 5.09
Two given numbers (for example 2 and 5)Pays 5 to 116.67%worked outLoto-QuébecSD 2.07
One number, paid by how many dice show itPays 1 to 1 for one, 2 to 1 for two, 3 to 1 for three7.87%worked outLoto-QuébecSD 1.11

Pai Gow Poker

Against the dealer, playing the house way. Played at 16 casinos we list.

House edge of pai gow poker
BetHouse edge
Against the dealer, house way, 5% commission2.80%worked out

Poker games against the house

These edges assume every decision is made the way that loses least; a guess costs more. Measured against the first bet, the Ante; element of risk divides the same loss by everything bet in the hand. Played at 80 casinos we list.

House edge of poker games played against the house
BetHouse edge
Three Card Poker: Ante and Play, ante bonus 5-4-1Measured against the Ante; the Play bet is not counted.Played at 33 casinos we list3.37%worked out
Ultimate Texas Hold’em: Ante and BlindMeasured against the Ante alone, although the Blind is bet too.Played at 65 casinos we list2.185%worked outthe Blind pay table BCLC publishes
Let It Ride, the pay table BCLC publishesMeasured against one of the three bets.Played at 6 casinos we list3.51%worked outelement of risk 2.86% of all money bet

Side bets

Side bets are where pay tables differ most. Each figure is worked out from the pay table named beside it; the check for your own table is below.

House edge of side bets
BetHouse edge
Pairplus (Three Card Poker)Pays on a pair or better in your three cardsPlayed at 33 casinos we list7.28%worked out40-30-6-3-1, the pay table PlaySmart printsSD 2.855.57%worked outB.C.: 40-30-5-4-12.4 times the cost of the same bet at Québec tables (2.32%)SD 2.852.32%worked outQuébec: 40-30-6-4-1B.C. tables: 5.57%SD 2.91
6 Card Bonus (Three Card Poker)Pays the highest five-card hand from your three cards and the dealer’s three15.28%worked out1,000-200-50-25-15-10-5, the pay table BCLC and Fallsview publishin B.C. the dearest of the three bets in BCLC’s Three Card Poker rules (Ante 3.37%, Pair Plus 5.57%)SD 5.02
Trips (Ultimate Texas Hold’em)Pays three of a kind or better in your final handPlayed at 65 casinos we list1.90% to 6.18%worked outB.C. 50-40-30-8-6-5-3 to Québec 50-40-20-7-6-5-3SD 2.691.90%worked outB.C.: 50-40-30-8-6-5-3SD 2.696.18%worked outQuébec: 50-40-20-7-6-5-3SD 2.45
Perfect Pairs (blackjack), 25-12-6Pays perfect pair 25 to 1, coloured pair 12 to 1, mixed pair 6 to 1The pay table Fallsview Casino Resort and Casino Niagara publish in “Playing Blackjack”; the document does not say how many decks.Played at 6 casinos we list6.11%worked outsix decks; 4.10% with eight decksSD 3.89
Fire Bet (craps): 4, 5 or 6 different points before the seven-outPays 24, 249 and 999 to 1 (at B.C. tables written 25, 250 and 1,000 for 1)20.76%worked outSD 16.43

Slot machines

A slot machine’s edge is set by its program, and no casino publishes it per machine. What is published: the average return in B.C. and the lowest return Ontario allows.

House edge of slot machines
BetHouse edge
Returns 92% (average at B.C. casinos)8%worked out
Returns 85% (lowest allowed in Ontario)A floor set by law, not an average: machines return this or more.15%worked out

Your table’s pay table

Side-bet pay tables differ from table to table, and the house edge changes with every line. Type the pays printed on the felt or the sign at your table. Where the pays alone decide the odds, the house edge is worked out exactly; where it also depends on how you play (Let It Ride, the Blind), we only recognise the pay table BCLC publishes, which our own engine has worked out.

Decisions per hour

How many rounds an hour you play decides what an hour costs. None of the Canadian documents we read publishes how many rounds a table deals in an hour, so table games use an example pace, not a measured one; craps uses the pace casino rating systems are set to; slot machines, as fast as the machine allows. Your table may be faster or slower.

Rounds an hour
GamePaceSource
BlackjackAn example pace70 hands
BaccaratAn example pace72 hands
CrapsPace casino rating systems are set toAbout 60 rolls an hour, the pace player-rating systems are set to; a line bet is settled once in about 3.4 rolls, so that is about 18 pass-line decisions.18 decisions
Roulette, double zeroAn example pace38 spins
Roulette, single zeroAn example pace35 spins
Sic BoAn example pace45 rounds
Pai Gow PokerAn example pace34 hands
Poker games against the houseAn example pace50 hands
Slot machinesAs fast as the machine allowsTimed on reel slots at an Ontario casino: about one spin every 6 seconds. Video slots in the same study allowed one about every 3 seconds, 1,200 an hour. This is the machine’s limit, not how fast people usually play.600 spins

How it’s worked out

House edge is the average loss as a share of the bet. Over many rounds, what you lose tends towards it; over one evening, luck swings far wider in both directions.

Worked out means our own exact count: every roll of the dice, every card of the shoe, every poker hand. Pays come from the published table named beside the figure. Where a Canadian publisher prints the same figure, it is quoted next to ours, and the page is only built when the two agree to the last digit the publisher prints.

Games where the play matters — blackjack, poker games against the house, pai gow — are worked out by our own engines with every decision made the way that costs least: blackjack under the rules each document states, the poker games under BCLC’s pay tables. Pai gow is the one figure from a simulation, of ten million hands, and it says how close it is.

Pay tables of B.C. and Québec are taken from the rules BCLC and Loto-Québec publish for their casinos. They describe the games the operator runs, not a given casino’s table; a table may post a different sign, and the sign at your table decides.

SD is the standard deviation of one bet, in bets: how far one round usually lands from the average. Element of risk divides the average loss by everything bet in the hand, raises included.

What these figures leave out. Every win is assumed paid in full. BCLC caps what all players at a Three Card Poker or Ultimate Texas Hold’em table are paid in one round at $50,000 together; a single player reaches it only with a bet above $50 on a 1,000 to 1 hand. Progressive jackpots are not counted. Card counting is not considered.

If it stops being fun

If gambling stops being entertainment, help is available. 19+ in most of Canada; 18+ in Alberta, Manitoba and Quebec. More on responsible gaming.

1-866-531-2600Ontario · ConnexOntario · 24 hours
1-800-461-0140Quebec · Jeu: aide et référence · 24 hours
1-888-795-6111British Columbia · Gambling Support BC · 24 hours
1-866-332-2322Alberta · Addiction Helpline · 24 hours
1-800-463-1554Manitoba · Problem Gambling Helpline · 24 hours
1-800-306-6789Saskatchewan · Problem Gambling Help Line · 24 hours
1-888-429-8167Nova Scotia · Mental Health and Addictions Crisis Line · 24 hours
1-800-461-1234New Brunswick · Gambling Information Line
1-855-255-4255Prince Edward Island · PEI Gambling Support Line · 24 hours
811Newfoundland and Labrador · Gambling Help Line · 24 hours
1-844-533-3030Yukon · Reach Out Support Line (CMHA Yukon)

If you are thinking about suicide, call or text 9-8-8

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