Memphis vs Charlotte Prediction, Picks & Odds | 03 Oct 2026

College Football Betting Preview: Memphis vs Charlotte

Memphis go up against Charlotte at Jerry Richardson Stadium, with kickoff scheduled for 15:30 on Saturday, October 3.

We’re really sweet on Memphis who are -20.5 on the spread. The favorites should enjoy a huge win against Charlotte and cover the line at odds of -110.

Memphis Tigers previous game saw them claim a 45-21 home win over Tennessee Martin at Simmons Bank Liberty Stadium.

Charlotte 49ers have lost on their last four outings. In a recent home game at Jerry Richardson Stadium, they were turned over 34-7 by Louisiana Ragin Cajuns.

Head-to-Head Statistics

These two teams last met at Simmons Bank Liberty Stadium, with Memphis claiming the win. Beating Charlotte by a 33-28 scoreline.

Memphis vs Charlotte Prediction & Picks

Head into Memphis vs Charlotte with expert betting insights, including our main match prediction, best correct score pick and a value-driven bet builder. Dive into each section below for more.

Game Prediction

There are odds of -110 that Memphis will cover the -20.5 spread in this college football matchup. We're confident this is a good betting line for a pick where there should be lots of value available.

Sportsgambler.com brings strong college football expertise, built on knowing the team news as soon as it’s confirmed. Recent form plays a big part in our CFB picks and we always back it up with the most relevant stats.

Key Memphis vs Charlotte stats:

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

Memphis -20.5 Probability

The top betting apps make it a 52.4% chance that our pick is settled as a winner. In our opinion, there’s actually a probability of success closer to 60%. It’s the reason why we are recommending this college bet.

It’s good to explore all avenues and you might prefer bigger odds about the selection you want to make. Go ahead and move the line until you’re happy with the price.

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Our Game Prediction

Memphis -20.5 @ -110 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 1, 22:25). Live market odds are updated regularly and may differ. 18+ (or legal age) | Gamble Responsibly.

Correct Score Prediction

Memphis 41 - 17 Charlotte

Should you want a wager that can land a big return, then look no further than the correct score lines. Bet on Memphis to win 41-17 and leverage a massive payout if this happens.

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Memphis vs Charlotte 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.

Memphis are strong -1667 favorites to win this college game according to the Moneyline betting odds. The sportsbooks give them a 94% chance of claiming victory. If you’re looking for an alternative angle, Charlotte are trading at +890.

The spread is 20.5 and the total points line is currently 52.5. Having a bet on the Totals is one of the most popular football wagers. Those that want to back Under 52.5 can find odds of -114 available.

College football bettors are spoilt for choice thanks to the huge selection of team props and game lines which are available for every matchup on the coupon. Head to the top sportsbooks and find the best value wagers.

Moneyline

Memphis

-1667

Charlotte

+890

Point Spread

Memphis -20.5

-110

Charlotte +20.5

-110

Total Points

Under 52.5

-114

Over 52.5

-106

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.

An increasing number of bettors are now enjoying micro betting on college football and it’s something which is available on an in-game basis. Wait for the action to start and then wager on something specific to happen.

Charlotte Have Endured Six Straight Home Losses

Charlotte have come out on the wrong side in six straight at Jerry Richardson Stadium. They have two wins and eight losses in the last 10 home games, averaging 20.40 points on offense and surrendering 37.70 on defense.

Memphis are 6-4 in their last 10 games on the road, posting 30.60 points per contest while yielding 25.20.

The most recent Jerry Richardson Stadium meeting saw Memphis claim a 44-38 win over Charlotte.

Last 10 Games		W-L	P	PF	PA	O52.5	U52.5
Charlotte Home Stats		2-8	58.10	20.40	37.70	6	4
Memphis Away Stats		6-4	55.80	30.60	25.20	6	4

• W-L = Wins-Losses
• P = Avg. Points
• PF = Avg. Points For
• PA = Avg. Points Against
• O52.5 = Games Over 52.5 Points
• U52.5 = Games Under 52.5 Points

Latest regular season and playoff games stats.

Memphis Tigers Stats

Charlotte 49ers Stats

Moneyline

• 5 wins and 5 defeats in the last 10 games
• 6 wins and 4 defeats in the last 10 games on the road

Moneyline

• 0 wins and 10 defeats in the last 10 games
• 2 wins and 8 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 2 of the last 10 games
• +20.5 Betting Line at Home: Have covered the spread in 5 of the last 10 home games

Total Points

• Game Totals: An average of 56.60 pts in the previous 10 games
• Game Totals on the Road: An average of 55.80 pts in the previous 10 games on the road
• Over 52.5: Covered in 6 of the previous 10 games
• Over 52.5 on the Road: Covered in 6 of the previous 10 games on the road
• Team Totals: Have scored an average of 28.90 pts and allowed 27.70 pts in the last 10 games
• Team Totals on the Road: Have scored an average of 30.60 pts and allowed 25.20 pts in the last 10 games on the road

Total Points

• Game Totals: An average of 52.90 pts in the previous 10 games
• Game Totals at Home: An average of 54.30 pts in the previous 10 home games
• Over 52.5: Covered in 4 of the previous 10 games
• Over 52.5 at Home: Covered in 5 of the previous 10 home games
• Team Totals: Have scored an average of 14.40 pts and allowed 38.50 pts in the last 10 games
• Team Totals at Home: Have scored an average of 19.10 pts and allowed 35.20 pts in the last 10 home games

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