Temple vs Charlotte Prediction, Picks & Odds | 18 Oct 2025

College Football Betting Preview: Temple vs Charlotte

Temple clash with Charlotte in this NCAAF Week 8 matchup at Jerry Richardson Stadium, with kickoff scheduled for 15:30 on Saturday 18 October. Our betting preview features expert predictions, picks, the latest betting odds and H2H stats.

The Total Line Looks Too Generous to Miss

The best betting angle could be wagering on the totals when Charlotte clash with Temple. Our prediction is for Over 47.5 points to be scored at odds of -115.

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Two Teams Defeated in Last Game

Temple Owls lost their previous game, being beaten at home to Navy Midshipmen 32-31 at Lincoln Financial Field.

Charlotte 49ers lost on the road in their last game, making it three straight defeats. Army Black Knights won 24-7 at Michie Stadium.

Temple vs Charlotte Prediction & Picks

We dive into the best Temple vs Charlotte betting angles, including a key match prediction, our correct score forecast and a value-focused bet builder. Read on for the full breakdown.

Game Prediction

We think the best betting angle can be found with the totals for this college football matchup. Our pick is that there will be Over 47.5 points and that is available at -115.

Our CFB predictions are rooted in solid team news and up-to-date form for each team. We also dig deep to uncover the most relevant stats that help guide and strengthen our picks.

Key Temple vs Charlotte stats:

• The 47.5 line has been covered in the last 12 Temple games on the road.
• The 47.5 line has been covered in 16 of the last 20 Temple games.
• The 47.5 line has been covered in 12 of the last 20 Charlotte games.

Over 47.5 Probability

According to the latest betting odds, our pick has a 53.5% chance of winning. However, our research has found that the actual probability is closer to 60%. This college wager can therefore be backed with confidence.

If you want to get bigger odds on your Over wager, there’s a smart way of doing this. The top sportsbooks will allow you to move the line on the Totals.

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Best Bet

Over 47.5 Points @ -115 Bet Now

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Correct Score Prediction

Temple 28 - 23 Charlotte

There’s the chance to back Temple in lots of different ways and this includes predicting the correct winning score. We’ll go for a 28-23 triumph in their favor.

Temple 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.

Books Make Temple Big Favorites

The sportsbooks are taking no chances with their Moneyline odds of -476 about Temple which reflects they have a 83% chance of winning this college game. Charlotte are regarded as a long shot to win and you can currently back them at +370.

The spread currently stands at 12.5 and the total points line is 47.5. The Totals offers football bettors an alternative way of getting involved. If you're keen on Over 47.5, this selection is available at -115.

There's a great variety of team props and game lines when it comes to college football wagering and we recommend visiting the top sportsbooks to find the selection that matches your view on the matchup.

Moneyline

Temple

-476

Charlotte

+370

Point Spread

Temple -12.5

-110

Charlotte +12.5

-110

Total Points

Under 47.5

-105

Over 47.5

-115

Player Props & Micro Betting

As an alternative to the game lines, check out the player prop bets that are available. It’s especially great if you have a view when it comes to First, Last or Anytime Touchdown Scorer, while there are lots of other player and quarterback options.

Instead of focusing on the overall outcome, some bettors prefer to look at the college football micro betting lines. As the name suggests, it means placing short-term in-game wagers and this might include the Next Play or Next Drive Result.

Charlotte Have Six Losses From Last Ten Home Games

Charlotte own a 4-6 mark in their past 10 home games, putting up 21.40 points on average and giving up 31.10.

Temple have one win and nine losses in the last 10 road games, averaging 21.40 points scored and 39.30 points allowed.

Last 10 Games		W-L	P	PF	PA	O47.5	U47.5
Charlotte Home Stats		4-6	52.50	21.40	31.10	5	5
Temple Away Stats		1-9	60.70	21.40	39.30	10	0

• W-L = Wins-Losses
• P = Avg. Points
• PF = Avg. Points For
• PA = Avg. Points Against
• O47.5 = Games Over 47.5 Points
• U47.5 = Games Under 47.5 Points

Last 5 & H2H

Latest regular season and playoff games stats.

Temple Owls Stats

Charlotte 49ers Stats

Moneyline

• 4 wins and 6 defeats in the last 10 games
• 1 win and 9 defeats in the last 10 games on the road

Moneyline

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

Point Spread

• -11.5 Betting Line: Have covered the spread in 2 of the last 10 games
• -11.5 Betting Line on the Road: Have covered the spread in 1 of the last 10 games on the road

Point Spread

• +11.5 Betting Line: Have covered the spread in 4 of the last 10 games
• +11.5 Betting Line at Home: Have covered the spread in 5 of the last 10 home games

Total Points

• Game Totals: An average of 54.90 pts in the previous 10 games
• Game Totals on the Road: An average of 60.70 pts in the previous 10 games on the road
• Over 47.5: Covered in 7 of the previous 10 games
• Over 47.5 on the Road: Covered in the previous 10 games on the road
• Team Totals: Have scored an average of 25.00 pts and allowed 29.90 pts in the last 10 games
• Team Totals on the Road: Have scored an average of 21.40 pts and allowed 39.30 pts in the last 10 games on the road

Total Points

• Game Totals: An average of 54.30 pts in the previous 10 games
• Game Totals at Home: An average of 53.50 pts in the previous 10 home games
• Over 47.5: Covered in 5 of the previous 10 games
• Over 47.5 at Home: Covered in 5 of the previous 10 home games
• Team Totals: Have scored an average of 20.10 pts and allowed 34.20 pts in the last 10 games
• Team Totals at Home: Have scored an average of 21.80 pts and allowed 31.70 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	6	0	243	97	146	3-0	3-0	6W
Navy	6	0	219	129	90	4-0	2-0	6W
North Texas	5	1	260	163	97	3-1	2-0	1L
South Florida	5	1	244	148	96	3-0	2-1	3W
Tulane	5	1	157	139	18	3-0	2-1	2W
East Carolina	4	3	212	120	92	3-1	1-2	1W
Army	3	3	150	144	6	1-2	2-1	2W
Florida Atlantic	3	3	197	200	-3	2-1	1-2	2W
Temple	3	3	182	157	25	2-2	1-1	1L
UTSA	3	3	207	161	46	2-1	1-2	1W
Rice	3	4	136	190	-54	1-2	2-2	3L
UAB	2	4	177	248	-71	2-1	0-3	3L
Tulsa	2	5	139	199	-60	1-2	1-3	3L
Charlotte	1	5	106	195	-89	1-3	0-2	3L