San Francisco 49ers Betting Guide

Schedule, Odds, And Predictions

San Francisco 49ers odds
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The San Francisco 49ers take an unblemished 3-0 record into an NFC West showdown versus the visiting Arizona Cardinals this coming Sunday. Week 4 odds show the 49ers as big home favorites.

Below, you can find San Francisco 49ers odds for 2023. Included is a weekly outlook, odds for every game this season, futures, and more.

49ers odds

View San Francisco 49ers odds for the 2023 NFL season below. 49ers Week 4 odds are already available to bet on. Compare odds at the best NFL betting sites for their game against the Arizona Cardinals.

Arizona Cardinals at San Francisco 49ers

The 49ers have opened up a -14 favorite for their NFL Week 4 game against the Arizona Cardinals. The game has an initial total of up to 43.5-to-44.5 points.

The 49ers comfortably maintained their undefeated streak in Week 3 against the Giants, dominating New York by a 30-12 score and even getting Christian McCaffrey some valuable time off late in the contest. 

San Francisco is now seemingly set up perfectly for Week 4 – it’s at home with a big rest advantage against a Cardinals team that could well be in for a letdown after its surprise domination of the Cowboys in Week 3. The Niners should also have Brandon Aiyuk back from his shoulder injury with the extra time off between games, which could give Brock Purdy a full array of weapons to work with.

Arizona has been better than expected through the first three games and is literally just a handful of points away from being 3-0 itself. Joshua Dobbs has managed a stellar 72.0 percent completion rate and has three total TDs without an interception, although he’s lost two fumbles.

James Conner is also running with career-best efficiency (5.2), but that offensive side of the ball has a tall order against 49ers defense that’s allowing just 53.0 rushing yards per game at 3.7 yards per carry and could therefore make the Cards completely one-dimensional.

49ers Super Bowl odds

The 49ers are one of the favorites to win the 2024 Super Bowl as they have around +1000 odds at most sportsbooks. There is some clear separation between the 49ers and the rest of the NFC West. The 49ers odds for the division sit around -440.

49ers NFC West Odds

The 49ers began the season with -165 odds to win the NFC West. Those were the shortest odds in the division.

Purdy and crew currently have odds to be crowned division champs.

49ers prop bets

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!

49ers Roster

Key signings: QB Sam Darnold, DT Javon Hargrave, S Tashaun Gipson, DE Austin Bryant, G Jon Feliciano, S Myles Hartsfield, TE Ross Dwelley, DT T.Y. McGill, LB Demetrius Flannigan-Fowles, CB Isaiah Oliver, DE Clelin Ferrell, C Jake Brendel, DT Kevin Givens,  OL Matt Pryor, WR Chris Conley,

Re-signings: LB Marcelino McCrary-Ball, DL Kerry Hyder Jr.

Trades: Acquired K Zane Gonzalez, traded Trey Lance for a 2024 fourth-round pick 

Key losses: T Mike McGlinchey, QB Jimmy Garoppolo, S Jimmie Ward, DE Samson Ebukam, CB Emmanuel Moseley, DE Charles Omenihu, LB Azeez Al-Shaair, OL Daniel Brunskill, DT Hassan Ridgeway

Key draft picks: S Ji’Ayir Brown, K Jake Moody, TE Cameron Latu, CB Darrell Luter Jr., DL Robert Beal Jr., LB Dee Winters, TE Brayden Willis, WR Ronnie Bell, LB Jalen Graham

Here is a look at the 49ers current roster.

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49ers schedule

Here is the 49ers schedule for the 2023 – 2024 season. Included are betting odds for each game.

Here are what 49ers opening odds looked like for each game when they were released in May.

Week DateOpponentKickoff TimeOpening Odds
Week 1Sunday, September 10at Pittsburgh Steelers1 p.m. ET-1
Week 2Sunday, September 17at Los Angeles Rams4:05 p.m. ET-4.5
Week 3Thursday, September 21vs. New York Giants8:15 p.m. ET-4.5
Week 4Sunday, October 1vs. Arizona Cardinals 4:25 p.m. ET-9.5
Week 5Sunday, October 8vs. Dallas Cowboys 8:20 p.m. ET-3.5
Week 6Sunday, October 15at Cleveland Browns1 p.m. ET-1
Week 7Monday, October 23at Minnesota Vikings8:15 p.m. ET-1
Week 8Sunday, October 29vs. Cincinnati Bengals4:25 p.m. ET-1
Week 9Bye WeekBYE WEEK
Week 10Sunday, November 12at Jacksonville Jaguars 1 p.m. ET-1
Week 11Sunday, November 19vs. Tampa Bay Buccaneers4:05 p.m. ET-7.5
Week 12Thursday, November 23at Seattle Seahawks8:20 p.m. ET-1.5
Week 13Sunday, December 3at Philadelphia Eagles4:25 p.m.ET+2.5
Week 14Sunday, December 10vs. Seattle Seahawks4:05 p.m. ET+3.5
Week 15Sunday, December 17at Arizona Cardinals 4:05 p.m. -6.5
Week 16Monday, December 25vs. Baltimore Ravens 8:15 p.m. ET-3
Week 17Sunday, December 31at Washington Commanders 1 p.m. ET-3
Week 18TBDLos Angeles RamsTBD-6

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 watching the games. 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.


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 2022 recap

Some might still be wondering if the NFC Championship Game would’ve played out differently if the 49ers had a healthy starting QB. Brock Purdy finished the game with an injured elbow after backup Josh Johnson suffered a concussion. With no passing game, San Francisco lost 31-7.

Record: 13-4, First in NFC West, Eliminated in NFC Championship by Eagles.

Record ATS: 11-6

Over/under record: 9-8