North Carolina vs Charlotte Prediction, Picks & Odds | 06 Sep 2025

College Football Betting Preview: North Carolina vs Charlotte

North Carolina meet Charlotte in this NCAAF Week 2 matchup at Jerry Richardson Stadium, with kickoff scheduled for 19:00 on Saturday 6 September. Our betting preview features expert predictions, picks, the latest betting odds and H2H stats.

Going Over the Total Points Makes Sense

There could be lots of points when Charlotte clash with North Carolina, with our prediction being Over 49.5 points in total. Odds of -110 look worth taking for this outcome.

Going with our Totals pick? Grab the latest BetMGM promo code and check our comprehensive betting review to make a more informed wager.

UNC Too Strong for Charlotte in Last Matchup

North Carolina Tar Heels were defeated in their previous game. They were beaten at home to Texas Christian Horned Frogs by a 48-14 scoreline at Kenan Stadium.

Charlotte 49ers were defeated last time out. Bank of America Stadium saw them beaten to Appalachian State Mountaineers by a 34-11 scoreline.

Head-to-Head Statistics

The scoreline was 38-20 in favor of North Carolina when they last played Charlotte, with the matchup taking place at Kenan Stadium.

North Carolina vs Charlotte Prediction & Picks

Take on North Carolina vs Charlotte with our in-depth betting analysis, featuring an expert match prediction, scoreline advice and a value-driven bet builder. Scroll down for the full breakdown.

Game Prediction

We’re confident that Over 49.5 is the value play at -110. We’re expecting these college football teams to rack up the points, so a total wager could be the way forward.

The CFB handicappers at Sportsgambler.com always keep close tabs on team news as it develops. We also rely on recent form and key stats to help shape our picks and guide the final call.

Key North Carolina vs Charlotte stats:

• The 49.5 line has been covered in 4 of the last 5 North Carolina games.
• The 49.5 line has been covered in 15 of the last 20 North Carolina games.
• The 49.5 line has been covered in 7 of the last 10 Charlotte games.
• The 49.5 line has been covered in 13 of the last 20 Charlotte games.

Over 49.5 Probability

According to the best betting apps, there’s a 52.4% chance that our pick is settled as a winner. Our cappers think there’s a stronger chance of success and calculate the probability to be closer to 60%. This college bet can therefore be backed with confidence.

There are ways to boost the odds on an Over wager and some bettors go down the Bet Builder route. It’s effectively a same game parlay where you throw in other picks.

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Best Bet

Over 49.5 Points @ -110 Bet Now

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Correct Score Prediction

North Carolina 38 - 17 Charlotte

There are a range of correct score lines to choose from and we’re taking a chance on the Tar Heels to claim a 38-17 win. There’s a huge return if we get this right.

North Carolina vs Charlotte Odds

The odds and lines are updated on a frequent basis. You might therefore find that they are different to the ones listed for the betting predictions and bet builder tips.

UNC Big Favorites According to Latest Odds

At betting odds of -556 with the sportsbooks, North Carolina are regarded as 85% likely to win this college game. Charlotte are the underdogs at +400 and they’re regarded as least likely to win.

The spread is 13.5 and the total points line is currently 49.5. A Total bet relates to the number of points that will be scored overall. There’s an opportunity to bet Over 49.5 at -110.

Make sure to explore all angles before placing your college football bets. The top sportsbooks offer a wide range of game lines and team props and it’s all about finding a wager which matches your prediction of the matchup.

Moneyline

UNC

-556

Charlotte

+400

Point Spread

UNC -13.5

-110

Charlotte +13.5

-110

Total Points

Under 49.5

-110

Over 49.5

-110

Player Props & Micro Betting

As an alternative to the game lines, check out the quarterback and player props that are available. These can be a great alternative if you want to focus on a player’s performance. The gambling sites will provide lots of options.

Among the various options for wagering on college football, you will find that micro betting is provided. It focuses on short-term in-game outcomes such as whether a touchdown will be scored within the next few minutes.

Last Ten Charlotte Home Games Include Seven Defeats

Charlotte have gone 3-7 across their last 10 home games, putting up 20.60 points per contest and giving up 32.40.

North Carolina are 4-6 in their last 10 games away from home, scoring 26.90 points per contest and conceding 27.40.

Last 10 Games		W-L	P	PF	PA	O49.5	U49.5
Charlotte Home Stats		3-7	53.00	20.60	32.40	6	4
North Carolina Away Stats		4-6	54.30	26.90	27.40	6	4

• W-L = Wins-Losses
• P = Avg. Points
• PF = Avg. Points For
• PA = Avg. Points Against
• O49.5 = Games Over 49.5 Points
• U49.5 = Games Under 49.5 Points

Last 5 & H2H

Latest regular season and playoff games stats.

North Carolina Tar Heels Stats

Charlotte 49ers Stats

Moneyline

• 3 wins and 7 defeats in the last 10 games
• 4 wins and 6 defeats in the last 10 games on the road

Moneyline

• 4 wins and 6 defeats in the last 10 games
• 3 wins and 7 defeats in the last 10 home games

Point Spread

• -13.5 Betting Line: Have covered the spread in 2 of the last 10 games
• -13.5 Betting Line on the Road: Have covered the spread in 3 of the last 10 games on the road

Point Spread

• +13.5 Betting Line: Have covered the spread in 5 of the last 10 games
• +13.5 Betting Line at Home: Have covered the spread in 4 of the last 10 home games

Total Points

• Game Totals: An average of 56.00 pts in the previous 10 games
• Game Totals on the Road: An average of 54.30 pts in the previous 10 games on the road
• Over 49.5: Covered in 7 of the previous 10 games
• Over 49.5 on the Road: Covered in 6 of the previous 10 games on the road
• Team Totals: Have scored an average of 26.40 pts and allowed 29.60 pts in the last 10 games
• Team Totals on the Road: Have scored an average of 26.90 pts and allowed 27.40 pts in the last 10 games on the road

Total Points

• Game Totals: An average of 60.20 pts in the previous 10 games
• Game Totals at Home: An average of 56.10 pts in the previous 10 home games
• Over 49.5: Covered in 7 of the previous 10 games
• Over 49.5 at Home: Covered in 6 of the previous 10 home games
• Team Totals: Have scored an average of 24.10 pts and allowed 36.10 pts in the last 10 games
• Team Totals at Home: Have scored an average of 21.70 pts and allowed 34.40 pts in the last 10 home games

NCAAF Standings Select Season 2025/20262024/20252023/20242022/20232021/20222020/20212019/2020

American Athletic	W	L	PF	PA	N. Pts	Home	Away	Strk
Memphis	1	0	45	10	35	1-0	0-0	1W
Navy	1	0	52	7	45	1-0	0-0	1W
North Texas	1	0	51	0	51	1-0	0-0	1W
Rice	1	0	14	12	2	0-0	1-0	1W
South Florida	1	0	34	7	27	1-0	0-0	1W
Temple	1	0	42	10	32	0-0	1-0	1W
Tulane	1	0	23	3	20	1-0	0-0	1W
Tulsa	1	0	35	7	28	1-0	0-0	1W
UAB	1	0	52	42	10	1-0	0-0	1W
Army	0	1	27	30	-3	0-1	0-0	1L
Charlotte	0	1	11	34	-23	0-1	0-0	1L
East Carolina	0	1	17	24	-7	0-0	0-1	1L
Florida Atlantic	0	1	7	39	-32	0-0	0-1	1L
UTSA	0	1	24	42	-18	0-0	0-1	1L

Atlantic Coast	W	L	PF	PA	N. Pts	Home	Away	Strk
Boston College	1	0	66	10	56	1-0	0-0	1W
NC State	1	0	24	17	7	1-0	0-0	1W
Wake Forest	1	0	10	9	1	1-0	0-0	1W
Virginia	1	0	48	7	41	1-0	0-0	1W
SMU	1	0	42	13	29	1-0	0-0	1W
California	1	0	34	15	19	0-0	1-0	1W
Pittsburgh	1	0	61	9	52	1-0	0-0	1W
Miami	1	0	27	24	3	1-0	0-0	1W
Louisville	1	0	51	17	34	1-0	0-0	1W
Georgia Tech	1	0	27	20	7	0-0	1-0	1W
Florida State	1	0	31	17	14	1-0	0-0	1W
Duke	1	0	45	17	28	1-0	0-0	1W
Clemson	0	1	10	17	-7	0-1	0-0	1L
North Carolina	0	1	14	48	-34	0-1	0-0	1L
Stanford	0	1	20	23	-3	0-0	0-1	1L
Syracuse	0	1	26	45	-19	0-0	0-1	1L
Virginia Tech	0	1	11	24	-13	0-0	0-1	1L