A Harwich man won the $4 million grand prize on 100X and says he's buying a house
Jose Valerio of Harwich has claimed the $4 million grand prize on the Massachusetts Lottery's $10 100X instant game. He took the cash option, a single payment of $2.6 million before taxes, and says the money is going toward a house.
He bought the ticket at Main Street Market at 715 Main Street in Harwich, using winnings from a round of Keno. The store collects a $40,000 bonus for selling the winning ticket, which is 1% of the prize and the same rate Massachusetts paid on the $1 million 100X win in Templeton five days earlier.
It is a genuinely strong ticket
100X returns 85.4% of sales as prizes, which is among the highest payout percentages we track on any game in the entire country, with overall odds of 1 in 3.47. It rates 79.8 on our ValueScore™.
That fits the state. Massachusetts scratch tickets average a return of 77.8% across the 120 active games we score, the most generous lottery in the United States and nearly four points clear of second-place Illinois. The Lottery sells more per resident than any other state, which is the commercial case for running thin margins deliberately.
Below the grand prizes the table is still deep: 137 of 196 prizes at $10,000, 4,361 of 6,174 at $1,000, and 7,753 of 11,368 at $500. The 2025 version of the same game produced the $1 million Templeton win on August 21, and the 2026 version of the game also produced the Maryland visitor who took $1 million in Palmer before that.
What $2.6 million actually leaves
The cash option is 65% of the advertised $4 million, the standard Massachusetts discount and far gentler than the roughly 43% a billion-dollar Powerball jackpot pays for the lump sum.
Massachusetts takes more from this prize than it did from the Templeton one, and the reason is the threshold. The state withholds 5% on lottery winnings, and it adds a 4% surtax on income above roughly $1 million. A $650,000 cash prize does not reach that line, so Templeton stayed at 5%. At $2.6 million the surtax applies to everything above the threshold, giving about $194,000 to the state, an effective 7.5%.
Federal is the bigger number. Withholding takes a flat 24%, or $624,000, which leaves roughly $1.85 million at the claim once the state has its share. A prize this size is in the top 37% bracket, so the actual federal bill lands near $919,000 if the prize is his only income this year, and the balance comes due at filing next April. That puts the realistic take home after taxes somewhere close to $1.49 million. Our lottery tax calculator runs both figures for any prize.
Current scores for every Massachusetts game are on our Massachusetts ValueScore™ rankings.
Sources
WWLP: Harwich man wins $4 million Massachusetts Lottery prize, plans to purchase home
Boston.com: Cape man wins $4 million grand prize on lottery ticket sold in Harwich
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Frequently Asked Questions
Who won the $4 million Massachusetts 100X prize?
Jose Valerio of Harwich, who bought the $10 100X ticket at Main Street Market at 715 Main Street in Harwich using winnings from Keno. He took the cash option of $2.6 million before taxes and says he plans to buy a house. The store receives a $40,000 bonus.
How many 100X grand prizes are left?
One. The current 100X game, number 552, printed three grand prizes of $4 million and two have now been claimed. Our daily prize tracking recorded the count falling from two to one between August 25 and August 26. The game is about 31% sold, so the last one sits in a print run that is still mostly unsold.
How much tax comes out of a $2.6 million lottery prize in Massachusetts?
Massachusetts takes 5% on the whole amount plus its 4% surtax on income above roughly $1 million, which works out near $194,000, an effective 7.5%. Federal withholding of 24% takes $624,000 at the claim, but a prize this size sits in the 37% bracket, so the real federal bill is closer to $919,000 if the prize is the winner’s only income.
Jessie Jurado is a news writer who covers new scratch-off launches, state lottery guides, taxes on winnings, news, and much more. She joined ScratchCheck in 2026 and writes the site's state-by-state coverage.
