Blackjack maths
Blackjack is a family of rule sets, not one percentage
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The house edge changes with the table rules and how hands are played. A 6:5 blackjack payout is materially worse for the player than the traditional 3:2 payout.
Guide updated 24 September 2026
Blackjack maths: the practical details
Headline edge figures usually assume a defined basic strategy. Side bets and insurance commonly increase expected cost even when the main game is relatively low-edge.
Key distinctions
- Payout ratio affects every natural blackjack.
- Dealer hit-or-stand rules change probabilities.
- Strategy deviations add to expected loss.
Put the information to use
- Read the table rules.
- Check blackjack payout.
- Separate side bets.
- Use a fixed entertainment budget.
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Is 6:5 blackjack bad?
It pays less for a natural blackjack than 3:2, increasing the house advantage all else equal.
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