JILI168 Live Casino House Edge by Table: What Your Pesos Cost at Baccarat, Dragon Tiger, Roulette and Sic Bo
At a live table the dealer is real, but the house edge is fixed by the rules and paytable before a card is dealt. JILI168 works through the expected cost of the main bets at each common table with the peso arithmetic written out, so a player on a tight budget can see which seats stretch money furthest.
The only formula on this page
Expected cost = total amount wagered × house edge. Total wagered is stake per round multiplied by rounds played. House edge depends on the exact rules and payouts at that table, which vary between studios and operators, so the figures below apply to the standard rules named in each example. It is an average over a very long run, never a forecast for a single session.
Baccarat: three bets, three very different prices
| Bet (8-deck, standard rules) | House edge | Cost per ₱100 wagered |
|---|---|---|
| Banker, 5% commission | 1.06% | ₱1.06 |
| Player | 1.24% | ₱1.24 |
| Tie paying 8 to 1 | 14.36% | ₱14.36 |
Worked example: ₱50 a hand for 60 hands is 50 × 60 = ₱3,000 wagered. On Banker the expected cost is 3,000 × 0.0106 = ₱31.80. Put the same ₱3,000 on Tie and it becomes 3,000 × 0.1436 = ₱430.80, more than thirteen times as much. No-commission tables that pay Banker at half on a winning six carry a Banker edge of about 1.46%, or ₱43.80 on that same ₱3,000.
Roulette: the zero sets the price
A European wheel has 37 pockets. A straight-up bet pays 35 to 1, so across 37 spins at ₱1 you win ₱35 once and lose ₱1 thirty-six times: 35 − 36 = −₱1, or −1 ÷ 37 = 2.70%. Red, black and other even-money bets work out to the same 2.70%. Worked example: ₱20 a spin for 80 spins is ₱1,600 wagered, and 1,600 × 0.027 = ₱43.20 expected cost. A double-zero wheel, where offered, has 38 pockets and an edge of 2 ÷ 38 = 5.26%, which would make that session cost ₱84.16.
Sic bo: from reasonable to steep
Three dice give 6 × 6 × 6 = 216 outcomes. Big wins on totals 11 to 17 except triples, which is 105 outcomes; it pays even money, so the edge is (111 − 105) ÷ 216 = 2.78%. A specific triple has 1 winning outcome in 216; paid at 150 to 1, the edge is (215 − 150) ÷ 216 = 30.09%. Any triple has 6 winning outcomes; paid at 30 to 1, the edge is (210 − 180) ÷ 216 = 13.89%. Paytables differ between tables, so recalculate with the payout shown on screen.
Dragon Tiger: where the tie rule matters
Under the common rule that returns half your Dragon or Tiger stake when the cards tie, the edge on those bets is about 3.73%. That makes ₱1,000 wagered cost around ₱37.30 on average. The game's speed is the hidden multiplier: a fast table deals more rounds per hour, so the same stake size runs up a larger total wagered in the same time.
Ranking the bets for a small bankroll
| Bet | House edge | Expected cost per ₱1,000 wagered |
|---|---|---|
| Baccarat Banker (5% commission) | 1.06% | ₱10.60 |
| Baccarat Player | 1.24% | ₱12.40 |
| European roulette, any bet | 2.70% | ₱27.00 |
| Sic bo Big or Small | 2.78% | ₱27.80 |
| Dragon or Tiger (half-back tie) | 3.73% | ₱37.30 |
| Sic bo any triple at 30 to 1 | 13.89% | ₱138.90 |
| Baccarat Tie at 8 to 1 | 14.36% | ₱143.60 |
| Sic bo specific triple at 150 to 1 | 30.09% | ₱300.90 |
A low edge lowers the average cost; it does not protect you from a losing session. Road maps and result boards show history only. JILI168 is an independent guide covering PAGCOR-licensed operators and does not run tables. Play is for adults 21 and over.
Frequently Asked Questions
Which live casino bet has the lowest house edge?
Among the common bets covered here, baccarat Banker with a 5% commission is lowest at about 1.06%, followed by Player at about 1.24%.
Why is the baccarat Tie bet so expensive?
Paid at 8 to 1, the Tie's payout falls well short of how rarely ties occur, leaving an edge of about 14.36%, or ₱14.36 per ₱100 wagered on average.
Does betting faster change the house edge?
No, the edge per bet stays the same. Faster tables increase the total you wager per hour, which raises the expected cost in pesos.
Are these house edge figures the same on every table?
They apply to the standard rules stated. Commission, tie rules and sic bo paytables vary by table and operator, so recheck the maths against the rules shown.
Can road maps help me beat baccarat?
No. Road maps record past results. Each hand is independent, and no pattern changes the edge on the next bet.
How do I work out my own expected cost?
Multiply stake per round by the rounds you plan to play, then multiply by the house edge. ₱100 for 50 rounds on Player is 5,000 × 0.0124 = ₱62.