Many of the payout rates for the various bets at a Craps table are actually printed on the table layout. Unfortunately, they tend to be the areas that have the highest House edge—the proposition bets in the center of the layout. Hardways pay 9-to-1 for the Hard 6 and Hard 8 or 7-to-1 for the Hard 4 and Hard 10. Among one roll bets, Any Seven pays 4-to-1; Any Craps pays 7-to-1, the Crap 3 and Yo-leven (11) pay 15-to-1, and the Crap 2 and Crap 12 pay 30-to-1.
The easiest payout rates to remember are for the even money wagers. The Pass Line, Don’t Pass, Come, and Don’t Come all pay 1-to-1, as do Big 6 and Big 8. Field bets also pay even money on the 3, 4, 9, 10, and 11 and usually 2-to-1 for the 2 or 12, although some casinos pay 3-to-1 for the 12 and occasionally the 2 as well. Again, these rates will be printed on the table layout.
The more difficult payouts to keep track of are those for the Place Bets and Taking Odds. They vary greatly according the box number in question.
Place Bet Payouts
After the Point has been established on the come out roll, bets may be made straight up on the box numbers (4, 5, 6, 8, 9, or 10) other than the Point itself. If the shooter rolls the selected number before throwing a 7, the place bet wins; otherwise, it loses.
The payout on a winning 4 or 10 is 9-to-5. Just think of normal business hours, 9am to 5pm. The payout on the 5 or 9 is 7-to-5. That’s about the time many people start packing up to go home for the day—about 7 minutes to 5 o’clock. What’s important in making these four Place bets is that the wager should always be made in multiples of five units in order for the payout to be made in whole units. Never try to wager one or two units on Place Bets.
When making a Place bet on the 6 or 8, it is a bit different. They pay 7-to-6. Think the year of America’s birth, ’76. Any wager here should be in multiples of six units. If someone tries to bet 5 units, the dealer will ask for one more unit so that the payout can be a whole number of units.
Note that a Place Bet on the 6 or 8 pays much better than the same wager made on Big 6 or Big 8. It makes one wonder why anyone would ever bet on the latter two at all. Also be aware that Place Bets are not just for one roll. They may be taken down any time before the shooter throws again.
Payouts for Taking Odds
Taking Odds is possible whenever the Point has been established. The wager may be used in conjunction with a Pass Line or Come bet. Odds may also be “laid” for Don’t Pass or Don’t Come bets. As noted in the section on Craps Odds, Taking or Laying Odds is an excellent wager because it pays out at “true odds.”
Specifically, Taking Odds on the 4 or 10 will pay 2-to-1 for a winner. On the 5 or 9, it will pay 3-to-2, and on the 6 or 8 it pays 6-to-5.
These rates apply no matter how many times the odds are offered—2X, 5X, or even 100X. Meanwhile, whatever was originally wagered on the Pass Line, Don’t Pass, Come, or Don’t Come will still pay out at even money.