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College Football Money Lines
Introduction
I rarely find what I believe to be a good bet on an underdog on the money line. The following chart shows the probability of winning by point spread, based on historical data (from 1983 to 2005).
The following table shows the actual data. The estimated probability of winning is based on smoothing out the ups and downs. The fair money line is based on the estimated probability of winning. This table does not factor in "key numbers" in the NFL. In other words, some margin of victories are much more likely than others, especially 3 and 7. It is a much bigger handicap to be given 3.5 points compared to 2.5, thus the 3.5-point underdog is going to have a significantly lower chance of winning compared to a 2.5-point underdog. I'll leave adjustment to the reader (sorry).
Compare Online NFL Odds
American Football : NFL
| Upcoming matches | Money Line | Spread | Total | Featured Insight |
|---|---|---|---|---|
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Sun Jan 26th 3pm
Philadelphia Eagles Washington Commanders |
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Philadelphia Eagles likely favored over Washington Commanders due to better recent performance. Consider Eagle's strong offense. Monitor injuries, player form, and weather for informed betting. |
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Sun Jan 26th 6pm
Kansas City Chiefs Buffalo Bills |
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Expect a high-scoring game. Chiefs' dynamic offense faces Bills' solid defense. Watch for Mahomes vs. Allen battle. Important turnovers will determine the winner. Spotlight on both teams' star players. |
| Upcoming matches | Money Line | Spread | Total | Featured Insight |
|---|---|---|---|---|
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Sun Feb 9th 6pm
Philadelphia Eagles Buffalo Bills |
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Eagles' strong defense challenges Bills' dynamic offense. Both teams show playoff potential. Eagles excel in rush, Bills have aerial strength. Key player matchups could decide the game's outcome. | |
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Sun Feb 9th 6pm
Washington Commanders Buffalo Bills |
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Bills favored with strong offense. Commanders' defense needs to counter. Weather and injuries could impact game. Turnovers might be decisive. Betting on the over/under could be smart. | |
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Sun Feb 9th 6pm
Philadelphia Eagles Kansas City Chiefs |
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Eagles boast strong defense, but Chiefs' explosive offense is hard to counter. Watch key matchups: Mahomes vs. secondary, Hurts vs. Chiefs’ pass rush. Turnovers could decide the game. | |
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Sun Feb 9th 6pm
Washington Commanders Kansas City Chiefs |
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The Chiefs are favorites, boasting a strong offense. The Commanders need a solid defense to stand a chance. Key players will be vital in this matchup. |
To find the fair money line on a favorite, just multiply by -1. For example, a 7-point underdog shows an estimated probability of winning of 30.2%, which corresponds to a fair money line of +231. Thus, a 7-point favorite would have a 69.8% chance of winning, for a fair money line of -231.
Probability of Winning in the NFL by Point Spread
| Spread | Wins | Loses | Actual Probability | Estimated Probability | Fair Money Line |
|---|---|---|---|---|---|
| 0 | 472 | 944 | 50.0% | 50.0% | 100 |
| 1.5 | 132 | 284 | 46.5% | 45.5% | 120 |
| 2 | 141 | 280 | 50.4% | 44.1% | 127 |
| 2.5 | 164 | 376 | 43.6% | 42.6% | 135 |
| 3 | 246 | 540 | 45.6% | 41.1% | 143 |
| 3.5 | 134 | 358 | 37.4% | 39.7% | 152 |
| 4 | 135 | 337 | 40.1% | 38.3% | 161 |
| 4.5 | 93 | 259 | 35.9% | 36.9% | 171 |
| 5 | 74 | 213 | 34.7% | 35.5% | 182 |
| 5.5 | 101 | 294 | 34.4% | 34.1% | 193 |
| 6 | 109 | 343 | 31.8% | 32.8% | 205 |
| 6.5 | 121 | 383 | 31.6% | 31.5% | 217 |
| 7 | 146 | 493 | 29.6% | 30.2% | 231 |
| 7.5 | 84 | 332 | 25.3% | 29.0% | 245 |
| 8 | 73 | 243 | 30.0% | 27.8% | 260 |
| 8.5 | 67 | 227 | 29.5% | 26.6% | 276 |
| 9 | 62 | 225 | 27.6% | 25.5% | 293 |
| 9.5 | 64 | 250 | 25.6% | 24.3% | 311 |
| 10 | 79 | 320 | 24.7% | 23.3% | 330 |
| 10.5 | 43 | 210 | 20.5% | 22.2% | 350 |
| 11 | 56 | 217 | 25.8% | 21.2% | 372 |
| 11.5 | 38 | 142 | 26.8% | 20.2% | 395 |
| 12 | 37 | 179 | 20.7% | 19.3% | 419 |
| 12.5 | 38 | 176 | 21.6% | 18.4% | 445 |
| 13 | 42 | 237 | 17.7% | 17.5% | 472 |
| 13.5 | 42 | 210 | 20.0% | 16.6% | 501 |
| 14 | 56 | 328 | 17.1% | 15.8% | 532 |
| 14.5 | 28 | 194 | 14.4% | 15.0% | 565 |
| 15 | 19 | 157 | 12.1% | 14.3% | 599 |
| 15.5 | 20 | 123 | 16.3% | 13.6% | 636 |
| 16 | 22 | 171 | 12.9% | 12.9% | 675 |
| 16.5 | 14 | 144 | 9.7% | 12.2% | 717 |
| 17 | 29 | 239 | 12.1% | 11.6% | 761 |
| 17.5 | 17 | 134 | 12.7% | 11.0% | 808 |
| 18 | 8 | 121 | 6.6% | 10.4% | 858 |
| 18.5 | 6 | 89 | 6.7% | 9.9% | 910 |
| 19 | 18 | 142 | 12.7% | 9.4% | 966 |
| 19.5 | 10 | 83 | 12.0% | 8.9% | 1,026 |
| 20 | 9 | 136 | 6.6% | 8.4% | 1,089 |
| 20.5 | 12 | 109 | 11.0% | 8.0% | 1,156 |
| 21 | 10 | 138 | 7.2% | 7.5% | 1,227 |
| 21.5 | 4 | 94 | 4.3% | 7.1% | 1,303 |
| 22 | 5 | 128 | 3.9% | 6.7% | 1,383 |
| 22.5 | 7 | 71 | 9.9% | 6.4% | 1,468 |
| 23 | 7 | 115 | 6.1% | 6.0% | 1,558 |
| 23.5 | 5 | 76 | 6.6% | 5.7% | 1,654 |
| 24 | 6 | 122 | 4.9% | 5.4% | 1,756 |
| 24.5 | 3 | 68 | 4.4% | 5.1% | 1,864 |
| 25 | 5 | 62 | 8.1% | 4.8% | 1,978 |
| 25.5 | 2 | 61 | 3.3% | 4.5% | 2,100 |
| 26 | 1 | 78 | 1.3% | 4.3% | 2,229 |
| 26.5 | 4 | 55 | 7.3% | 4.1% | 2,366 |
| 27 | 1 | 79 | 1.3% | 3.8% | 2,512 |
| 27.5 | 2 | 56 | 3.6% | 3.6% | 2,666 |
| 28 | 6 | 93 | 6.5% | 3.4% | 2,830 |
| 28.5 | 2 | 41 | 4.9% | 3.2% | 3,004 |
| 29 | 1 | 52 | 1.9% | 3.0% | 3,189 |
| 29.5 | 1 | 38 | 2.6% | 2.9% | 3,385 |
| 30 | 1 | 52 | 1.9% | 2.7% | 3,594 |
| 30.5 | 3 | 33 | 9.1% | 2.6% | 3,815 |
| 31 | 2 | 58 | 3.4% | 2.4% | 4,049 |