San Francisco 49ers Betting Guide

Schedule, Odds, And Predictions

san francisco 49ers odds

The 2020 San Francisco 49ers were marred by injury and their follow-up to a Super Bowl appearance was stifled from the beginning. Kyle Shanahan was able to keep his team mildly competitive, but wins were hard to come by. They made a gutsy move leading up to the NFL Draft where they traded several future high draft picks to move to third overall, where they drafted franchise-quarterback hopeful Trey Lance.

With the corps of the team poised to return for 2021, the quarterback position will remain in focus. Will Jimmy Garoppolo remain QB1 in town? Or will rookie Lance take over? There’s plenty of talent on both sides of the ball, highlighted by All-Pros Nick Bosa and George Kittle. The 49ers are a team that could make some serious noise come playoff time despite playing in one of the most competitive divisions in the NFL.

San Francisco 49ers Week 1 odds

Coming off a year marred by injury, the San Francisco 49ers open their 2021 season against the Detroit Lions. Despite finishing 6-10 in 2020, the 49ers are projected for the sixth-most wins this upcoming season (10.5). Because of their returning starters, San Francisco () opened as a heavy 7.5-point favorite over Detroit. They finished 7-9 against the spread, but 5-3 as a road team in 2020. The Lions finished 3-5 against the spread at home, but are under new leadership in Dan Campbell.

The 49ers have a quarterback competition this offseason after trading up for North Dakota State phenom Trey Lance. Speculation says Jimmy Garoppolo will not be the starter come Week 1, though reports also say Lance is a project rather than a plug-and-play. Returning for the Niners is All Pro pass rusher Nick Bosa, who missed most of last season to a torn ACL and George Kittle is expected to be at 100%.

Complete Week 1 betting preview: 49ers vs. Lions

San Francisco 49ers futures odds

Futures are long-term bets that can range from an offseason to a full season (or beyond). Team win totals, award winners, and player performance are common futures.

49ers Super Bowl odds and other futures markets 2021

  • Odds to win Super Bowl: +1500
  • To win NFC: +650
  • To win NFC West: +200
  • Make playoffs: -200
  • 49ers win total: 10.5 (-125)

Odds last updated August 5

49ers prop bets

Prop bets are based on individual performance, typically surrounding players. With such a volatile rotating cast of running backs this past season, providing sharp bettors with plenty of opportunity in prop betting. For example, Jeff Wilson Jr.’s projected rushing total in the 49ers’ Week 16 matchup with the Arizona Cardinals was 38.5 yards. That game, Wilson exploded for 183 yards on the ground– exceeding everyone’s wildest expectations. Those who bet on Wilson to exceed 38.5 yards (the over) would have cashed out that week.

Search below for San Francisco 49ers odds, team or player props currently being offered at sportsbooks. You can also look around at other teams and players using this tool. Happy shopping!

San Francisco 49ers 2021 schedule and betting odds

Week DateOpponentKickoff TimeOpening Line
Week 1Sunday, Sept. 12at Detroit Lions1:00 p.m. ET49ers -7.5
Week 2Sunday, Sept. 19at Philadelphia Eagles1:00 p.m. ET49ers -5
Week 3Sunday, Sept. 26vs Green Bay Packers8:20 p.m. ETOTB
Week 4Sunday, Oct. 3vs Seattle Seahawks4:05 p.m. ETOTB
Week 5Sunday, Oct. 10at Arizona Cardinals4:25 p.m. ETOTB
Week 6Sunday, Oct. 17BYEN/AN/A
Week 7Sunday, Oct. 24vs Indianapolis Colts8:20 p.m. ETOTB
Week 8Sunday, Oct. 31at Chicago Bears1:00 p.m. ET49ers -3.5
Week 9Sunday, Nov. 7vs Arizona Cardinals4:25 p.m. ETOTB
Week 10Monday, Nov. 15vs Los Angeles Rams8:15 p.m. ETOTB
Week 11Sunday, Nov. 21at Jacksonville Jaguars1:00 p.m. ETOTB
Week 12Sunday, Nov. 28vs Minnesota Vikings4:25 p.m. ETOTB
Week 13Sunday, Dec. 5at Seattle Seahawks8:20 p.m. ETOTB
Week 14Sunday, Dec. 12at Cincinnati Bengals1:00 p.m. ETOTB
Week 15Sunday, Dec. 19vs Atlanta Falcons4:05 p.m. ETOTB
Week 16Thursday, Dec. 23at Tennessee Titans8:20 p.m. ETOTB
Week 17Sunday, Jan. 2vs Houston Texans4:05 p.m. ETOTB
Week 18Sunday, Jan. 9at Los Angeles Rams4:25 p.m. ETOTB

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How to bet on the San Francisco 49ers


The moneyline is the simplest of bets, decided by the straight-up winner and loser of each game. Consider the following example:

  • 49ers -185
  • Panthers +310

The 49ers are considered heavy favorites in this matchup (indicated by -185), requiring a $185 bet to win $100 (plus the initial bet back). The Panthers are the underdog in this matchup, paying out $410 total for a $100 bet ($310 in winnings). How much either team wins or loses by does not matter in moneyline betting, the payout remains the same.

Point spread

Betting on the point spread is determinant on how many points a team wins or loses by. Take the following example:

  • 49ers -6.5 (-110)
  • Dolphins +6.5 (-110)

In this example, San Francisco is favored by 6.5 points, indicated by “-6.5.” If the 49ers win the game 27-20, the 49ers (-6.5) win the bet and would have a total payout of $19.09 on a $10 bet ($9.09 in profit). If the Dolphins keep the game within seven and lose 23-17, the Dolphins (+6.5) would win, and the payout would be the same as listed above.

Point total (over/under)

The point total refers to the over/under line set by books. This number projects the total number of points scored in a game and, like prop betting, is bet whether one thinks the score will go over or under the set point total. For example, the 49ers’ Week 7 matchup with the New England Patriots had a projected point total of 47.5 points. San Francisco won that game 33-7, resulting in 40 points being scored. Those that bet under the point total would have cashed out.

The 49ers have fielded one of the most potent defenses and dangerous running games in the NFL for the past few seasons; the Kyle Shanahan system specializes in diversifying their offensive weapons and getting as many athletes involved in the game as possible. As a result, the 49ers aren’t quick-scoring, one-play threatening, and usually garner lower point totals. Typical over/unders for games involving the 49ers sit between 45 and 49 points.

In-play and live betting

Sometimes, the most thrilling and rewarding bets are bets made while games are being played. These are referred to as live bets or in-play bets. Odds are ever-changing during games, which would prove to be fruitful for sharp and prepared bettors. For example, if the 49ers (-225) were heavily favored against the Raiders (+190) before kickoff, a payout on a $10 bet on the 49ers to win would win just $4.44.

However, say the 49ers fell to a big 17-3 deficit in the first half despite controlling the overall game (due to a costly turnover or special teams gaffe). Odds may swing in favor of the Raiders, who may be a -110 favorite at halftime. Taking the 49ers to come back and win the game could present plus-odds (say, +130). Should a bettor take San Francisco (+130) at halftime and the 49ers pull off the comeback, winners would win $13 instead of $4.44 (plus the initial $10 bet).

This could also be an effective way to “hedge” your bet; say a bettor took the Raiders (+190) in that game, but San Francisco jumps out to a 21-0 first quarter lead and is controlling the overall feel of the game, bettors could hedge by throwing some money down on San Francisco (-270) to return some of the inevitably-lost bet.

Parlays and teasers

You can always string bets together in the form of parlays or teasers. Usually during busy Sundays, bettors can parlay several teams to win or cover against the spread and if all bets are successful, the payouts are multiplied. Teasers function similarly, except they allow bettors to move each point spread to a more favorable line in exchange for diminished odds.

49ers 2020 recap

Record: 6-10

Record ATS: 7-9

Over/under record: 8-8

The follow-up to the 49ers’ Super Bowl LIV appearance was about as disappointed as it gets. The team was riddled with injuries to star players including Nick Bosa, George Kittle, Raheem Mostert, Deebo Samuel, Solomon Thomas, and Jamar Taylor. As a result, San Francisco finished 6-10, which is positive compared to what cards they were dealt in 2020. This season can be effectively written off and fans can look forward to 2021.

49ers 2021 offseason moves

Trades: None

Re-signings: LB Fred Warner (five years, $95 million), CB Jason Verrett (one-year), FB Kyle Juszczyk (five years, $27 million), DE Dee Ford (two years, $24 million), T Trent Williams (six years, $138 million), CB Emmanuel Moseley (two years, $10 million)

Free agent losses: RB Tevin Coleman (to Jets), EDGE Kerry Hyder (to Seahawks), RB Jerick McKinnon (to Chiefs), WR Kendrick Bourne (to Patriots)

Free agent signings: C Alex Mack (one year, $5.5 million)

Draft picks: QB Trey Lance, OL Aaron Banks, RB Trey Sermon