Which New Jersey scratch-offs win the most?
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New Jersey has 61 scratch-offs on sale, and all but one still has a top prize. The best of them is $1,000,000 Payday, a $30 game that went on sale September 30 with nine $1 million prizes. All nine are unclaimed, which gives it a 94.7 on our ValueScore™, the highest in the state.
| Game | Price | Payout | Top prize | Top prizes left | ValueScore™ |
|---|---|---|---|---|---|
| Jersey Riches | $30 | 78.4% | $3,000,000 | 2 of 3 | 84.3 |
| Jackpot Millions | $30 | 77.4% | $3,000,000 | 2 of 3 | 80.1 |
| $1,000,000 Payday | $30 | 77.2% | $1,000,000 | 9 of 9 | 94.7 |
| $1 Million Premier Ca$h | $20 | 76.5% | $1,000,000 | 3 of 3 | 90.7 |
| Black Opal 7's | $20 | 76.5% | $1,000,000 | 2 of 3 | 83.6 |
For a cheaper ticket, Snow Globe Gold is a $10 game that launched October 28 with two $500,000 top prizes and rates 88.7. The $20 $1 Million Premier Ca$h has all three of its $1 million prizes left after six months on sale.
| Price | New Jersey games | New Jersey average payout | National average |
|---|---|---|---|
| $2 | 7 | 66.3% | 65.4% |
| $3 | 3 | 65.0% | 65.3% |
| $5 | 20 | 69.2% | 69.2% |
| $10 | 14 | 70.6% | 73.0% |
| $20 | 8 | 74.0% | 75.0% |
| $30 | 6 | 76.2% | 77.3% |
On payout New Jersey sits close to the national average, 70.3% against 69.9%, trailing a little at $10 and up. Its odds are longer. The median New Jersey game wins 1 in 4.19 times against 1 in 3.86 nationally, so players hit less often, and the prizes they do hit are a bit larger. The state also keeps its shelf current. Only 1 of 61 games has no top prize left, against about 9% of games nationwide.
New Jersey's rules give winners one year after the announced close of a game to claim. A retailer can pay prizes under $600, and larger ones go to Lottery headquarters with a claim form. The state's other games are ranked on the New Jersey scratch-offs page.
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Frequently Asked Questions
Which New Jersey scratch-off wins the most?
Jersey Riches, a $30 game, returns 78.4% of sales, the most in New Jersey, with two of its three $3 million prizes left. $1,000,000 Payday, a $30 game launched September 30, rates highest on our ValueScore at 94.7.
Are New Jersey scratch-off odds good?
They are longer than average. The median New Jersey game wins 1 in 4.19 times, against 1 in 3.86 nationally. Payouts are about average, 70.3% of sales, so New Jersey tickets win less often but pay a bit more per win.
How long do you have to claim a New Jersey scratch-off prize?
One year after the announced close of the game, under New Jersey's lottery rules. Prizes under $600 can be paid by a lottery retailer. Larger prizes need a claim form sent with the ticket to Lottery headquarters.
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.
