House Edge Worked Out: Baccarat, Roulette, Blackjack and Dice
By 747 Live Editorial Team
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Think of the house edge as a bet’s built-in price, collected through the payout odds instead of a fee at the end. Pay a winner a little less than the true odds and, over enough rounds, the difference adds up to a fixed percentage of everything wagered. It is the same number as RTP seen from the other side: 2.70% edge, 97.30% return. Below are eleven live bets worked out from their rules, cheapest first.
House edge on eleven live table bets
| # | Bet | Payout | Edge | Average cost per ₱1,000 staked |
|---|---|---|---|---|
| 1 | Baccarat Banker, 5% commission | 0.95 to 1 | 1.06% | ₱11 |
| 2 | Baccarat Player | 1 to 1 | 1.24% | ₱12 |
| 3 | Banker at a no-commission table (a winning 6 pays half) | 1 to 1 | 1.46% | ₱15 |
| 4 | Any standard bet, single-zero roulette | 35 to 1 and down | 2.70% | ₱27 |
| 5 | Sic bo Small or Big | 1 to 1 | 2.78% | ₱28 |
| 6 | Dragon or Tiger, where a tie refunds half | 1 to 1 | 3.73% | ₱37 |
| 7 | Any standard bet, double-zero roulette | 35 to 1 and down | 5.26% | ₱53 |
| 8 | Colour game, card paying 1, 2, 3 to 1 per match | up to 3 to 1 | 7.87% | ₱79 |
| 9 | Dragon Tiger Tie | 11 to 1 | 10.36% | ₱104 |
| 10 | Dragon Tiger Suited Tie | 50 to 1 | 13.98% | ₱140 |
| 11 | Baccarat Tie | 8 to 1 | 14.36% | ₱144 |
Card figures assume an eight-deck shoe; dice figures assume fair dice. Each table’s help panel states its own decks and payouts, and a different payout means a different edge. The biggest gap sits on one felt: Banker and Tie on the same baccarat table are thirteen points apart.
How the house edge is worked out
The method is the same for every game: list each outcome, its chance and what it pays, then average.
- Roulette. One zero means 37 pockets, with a straight-up winner paid 35 to 1. Stake ₱1 on each of the 37 numbers: you collect ₱36 back and lose ₱1, which is 1/37 or 2.70%. A second zero makes it 2/38, or 5.26%; see the roulette wheels page.
- Dice. Three dice land 216 ways. Small wins 105, loses 111; at even money that is 6/216, or 2.78%. The color game maths runs the same count with colours.
- Baccarat. No short cut: the third-card rule is applied to every possible deal in the shoe. Over a full eight-deck shoe that gives Banker 45.86%, Player 44.62% and ties 9.52%.
- Blackjack. The edge depends on the rules and on how you play, so it has no single figure; basic strategy is what holds it down.
Game shows publish a return instead. Evolution’s stated range for Crazy Time is 94.41% to 96.08% return, which is an edge of 3.92% to 5.59%; more on the Crazy Time wheel.
Why the house edge outlasts any one session
Over ten hands, luck swamps the edge: a player can finish well up or well down. Over thousands, results drift towards the edge, because it applies to every peso of turnover. That is why turnover, not deposit size, sets the expected cost: ₱1,000 deposited and played through ten times on Banker is ₱10,000 of turnover and an average cost near ₱106. Themed tables do not change this; the perya game tables keep their base game’s maths, and every family is listed on the live casino board.
How to Get Started
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Find the bet's edge before the seat
Look up the bet you plan to make in the table below, or in the help panel of the table you are about to join.
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Multiply by planned turnover
Turnover is every stake added up, not your deposit. ₱200 a hand for 50 hands is ₱10,000 of turnover.
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Treat the result as the ticket price
At a 1.06% edge, ₱10,000 of turnover costs about ₱106 on average. Budget that as the cost of the evening, not as a loss to win back.
