Charlotte vs Temple Prediction, Picks & Odds | 17 Oct 2026

Charlotte vs Temple Predictions

Best Bet

Temple -20.5 @ -120

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If you agree with our prediction that Temple can be superior to Charlotte, you can get -120 for this selection against the spread. The big favorites should be capable of covering the -20.5 line.

Our Charlotte vs Temple betting preview outlines our Best Bet, Same Game Parlay and Correct Score Prediction. Read the full analysis behind each pick further down the page.

Charlotte vs Temple Preview

Charlotte face Temple at Lincoln Financial Field, with kickoff scheduled for 13:00 on Saturday, October 17.

Charlotte 49ers have been defeated in their previous six games. On the road, they recently suffered a 50-10 loss against North Texas Mean Green at DATCU Stadium.

Temple Owls have lost on their last three home outings. In a recent game at Lincoln Financial Field, they were turned over 34-20 by UConn Huskies.

H2H: Temple 49-14 Win in Previous H2H Encounter

Temple won the most recent matchup between these teams. A 49-14 victory was registered against Charlotte at Jerry Richardson Stadium.

Best Bet

We’re predicting that Temple will be superior in this college football showdown and that’s why we’re backing them at -20.5 on the spread. Take the -120 that the big favorites are able to cover this line.

Key stats supporting our main match prediction:

• The +20.5 line hasn’t been covered by Charlotte in 8 of their last 10 games.
• The +20.5 line hasn’t been covered by Charlotte in 4 of their last 5 games.
• The +20.5 line hasn’t been covered by Charlotte in 3 consecutive games.

We track all injuries that could impact each team before making our CFB picks. The form guide and latest stats also help the Sportsgambler.com team crunch the numbers ahead of the action.

Temple -20.5 Probability

If you go by the top betting apps, there’s a 54.6% chance that our pick is settled as a winner. After careful examination, our cappers have this probability close to 60%. It is the reason why we are recommending this college wager.

As a wagering alternative, you can choose to buy or sell points when it comes to your spread pick. Buy if you want a safer bet and sell to get more juice from the line.

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Temple -20.5 @ -120 Bet Now

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Disclosure: This preview contains affiliate links; we may earn a commission at no extra cost to you. T&Cs apply. We only recommend licensed and regulated operators. See our Editorial Policy. Pick odds and lines reflect the price available at the time of publication (Oct 15, 19:25). Live market odds are updated regularly and may differ. 18+ (or legal age) | Gamble Responsibly.

Correct Score Prediction

Charlotte 14 - 38 Temple

There are a range of correct score lines to choose from and we’re taking a chance on Temple to claim a 38-14 win. There’s a huge return if we get this right.

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Charlotte vs Temple Odds

The odds and lines below are updated regularly and may differ from the prices shown in our picks, which are captured at the time of publication.

The sportsbooks are taking no chances with their Moneyline odds of -2500 about Temple which reflects they have a 96% chance of winning this college game. Charlotte are regarded as a long shot to win and you can currently back them at +1160.

The spread is currently 20.5, with the total points line at 46.5. There are many ways to wager on football including the Totals. If you fancy Under 46.5, then the odds are -106.

You can find a wide range of team props and game lines for every college football matchup, with the best sportsbooks creating lots of different options. Explore the pre-game and in-game selections before placing your wagers.

Moneyline

Charlotte

+1160

Temple

-2500

Point Spread

Charlotte +20.5

-102

Temple -20.5

-120

Total Points

Under 46.5

-106

Over 46.5

-114

If you have a view on Player Interceptions, Passing Attempts or Longest Pass Completion, then the player prop betting could be up your street. It’s a great way of wagering on a player or quarterback to perform well.

Micro betting provides a rollercoaster ride for college football bettors. It can be great to enjoy the live lines, with the opportunity to wager on the Next Scoring Play. Watch the live action before deciding which way to go.

Temple Record Shows Three Consecutive Home Defeats

Temple have been handed three consecutive losses at Lincoln Financial Field. They have three wins and seven losses in the last 10 home games, averaging 22.70 points on offense and surrendering 28.00 on defense.

Charlotte have stumbled to eight straight defeats on the road. They are 1-9 in their last 10 games on the road, posting 16.50 points per contest while yielding 36.50.

Last 10 Games		W-L	P	PF	PA	O46.5	U46.5
Temple Home Stats		3-7	50.70	22.70	28.00	7	3
Charlotte Away Stats		1-9	53.00	16.50	36.50	7	3

• W-L = Wins-Losses
• P = Avg. Points
• PF = Avg. Points For
• PA = Avg. Points Against
• O46.5 = Games Over 46.5 Points
• U46.5 = Games Under 46.5 Points

Latest regular season and playoff games stats.

Charlotte 49ers Stats

Temple Owls Stats

Moneyline

• 0 wins and 10 defeats in the last 10 games
• 1 win and 9 defeats in the last 10 games on the road

Moneyline

• 2 wins and 8 defeats in the last 10 games
• 3 wins and 7 defeats in the last 10 home games

Point Spread

• +20.5 Betting Line: Have covered the spread in 2 of the last 10 games
• +20.5 Betting Line on the Road: Have covered the spread in 4 of the last 10 games on the road

Point Spread

• -20.5 Betting Line: Have covered the spread in 1 of the last 10 games
• -20.5 Betting Line at Home: Have covered the spread in 2 of the last 10 home games

Total Points

• Game Totals: An average of 51.90 pts in the previous 10 games
• Game Totals on the Road: An average of 53.00 pts in the previous 10 games on the road
• Over 46.5: Covered in 6 of the previous 10 games
• Over 46.5 on the Road: Covered in 7 of the previous 10 games on the road
• Team Totals: Have scored an average of 12.80 pts and allowed 39.10 pts in the last 10 games
• Team Totals on the Road: Have scored an average of 16.50 pts and allowed 36.50 pts in the last 10 games on the road

Total Points

• Game Totals: An average of 52.00 pts in the previous 10 games
• Game Totals at Home: An average of 50.70 pts in the previous 10 home games
• Over 46.5: Covered in 6 of the previous 10 games
• Over 46.5 at Home: Covered in 7 of the previous 10 home games
• Team Totals: Have scored an average of 21.40 pts and allowed 30.60 pts in the last 10 games
• Team Totals at Home: Have scored an average of 22.70 pts and allowed 28.00 pts in the last 10 home games

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