Calculate how much to lay, commission costs, and house edge for Lay bets in craps. Bet on 7 appearing before a point number.
Lay Amount = Win Amount ÷ Pay RatioAmount to Lay
$20
to win $10
Net Win
$9.50
After $0.50 vig
Win Probability
66.7%
House Edge
2.44%
Lay 4 or 10 for best odds
How much you want to win
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| Number | Lay Odds | Win Probability | House Edge | To Win $20 |
|---|---|---|---|---|
| 4 | 1:2 | 66.7% | 2.44% | Lay $40 |
| 5 | 2:3 | 60.0% | 3.23% | Lay $30 |
| 6 | 5:6 | 54.5% | 4% | Lay $24 |
| 8 | 5:6 | 54.5% | 4% | Lay $24 |
| 9 | 2:3 | 60.0% | 3.23% | Lay $30 |
| 10 | 1:2 | 66.7% | 2.44% | Lay $40 |
Seven is the most common dice outcome (6 ways to roll it). Points have fewer ways: 4 and 10 have 3 ways, 5 and 9 have 4 ways, 6 and 8 have 5 ways. Since you're betting on the more likely outcome (7), you must risk more to win less - these are the true odds of the event.
A Lay bet is a wager that 7 will be rolled before a specific point number (4, 5, 6, 8, 9, or 10). Since 7 is the most common outcome, you must lay (bet) more to win less. A 5% commission is charged.
For 4 or 10: lay $2 to win $1 (2:1). For 5 or 9: lay $3 to win $2 (3:2). For 6 or 8: lay $6 to win $5 (6:5). These are true odds, with commission charged separately.
Lay 4/10: 2.44% house edge. Lay 5/9: 3.23% edge. Lay 6/8: 4.00% edge. These are relatively low edges, making Lay bets reasonable choices compared to many other craps bets.
Lay bets are used by "wrong" bettors who prefer to bet with the house. They're often used after a point is established to hedge or to capitalize on the higher probability of rolling 7.
Quick-start with common scenarios
Amount to Lay
$20
to win $10
Net Win
$9.50
After $0.50 vig
Win Probability
66.7%
House Edge
2.44%