Which New York scratch-offs win the most?
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New York sells 107 scratch-offs, and on average they give back less than other states' games. They return 66.7% of sales as prizes, against 69.9% across all state lotteries, and the median New York ticket wins 1 in 4.28 times, against 1 in 3.86 nationally.
| Price | New York games | New York average payout | National average |
|---|---|---|---|
| $1 | 15 | 62.9% | 61.8% |
| $2 | 16 | 64.0% | 65.4% |
| $3 | 8 | 63.0% | 65.3% |
| $5 | 29 | 65.4% | 69.2% |
| $10 | 16 | 68.9% | 73.0% |
| $20 | 14 | 71.8% | 75.0% |
| $30 | 9 | 74.0% | 77.3% |
The $1 tier is the only one where New York comes out ahead. From $5 up the gap is three to four points, so a New York player spending $10 a ticket gets back about 40 cents less per ticket, on average, than a player buying the typical $10 game elsewhere. Twenty-two games, about one in five, have no top prize left, more than twice the national share.
| Game | Price | Payout | Top prize | Top prizes left | ValueScore™ |
|---|---|---|---|---|---|
| $5,000,000 Spectacular | $20 | 73.1% | $5,000,000 | 4 of 4 | 90.9 |
| Millionaire Riches | $20 | 73.2% | $5,000,000 | 4 of 4 | 88.7 |
| 300X The Money | $30 | 76.7% | $10,000,000 | 3 of 4 | 88.2 |
| $3,000,000 200X Cashword | $30 | 66.8% | $3,000,000 | 4 of 4 | 82.7 |
| $10,000 a Week for Life | $20 | 74.2% | $10,000,000 | 2 of 3 | 82.1 |
Among games that still have their top prizes, $5,000,000 Spectacular rates highest at 90.9 on our ValueScore™, with all four $5 million prizes left since its September 1 launch. 300X The Money has the best payout of the big games, 76.7%. The newest entry, $3,000,000 200X Cashword, launched October 6 with all four top prizes, though its 66.8% payout is low for a $30 ticket.
New York pays its large top prizes over time. A $10 million prize on the $30 games is listed as $500,000 a year for 20 years. Win for Life, a $2 game, pays $1,000 a week for life with a $1 million guaranteed minimum, and counting that minimum it posts the state's highest payout, 78.8%, though only 3 of its 10 top prizes remain. Other games with lifetime prizes work the same way. The full lineup is on the New York scratch-offs page.
How we did this. Payout, overall odds, prizes remaining, annuity terms, and ValueScore™ are New York Lottery game data in our database as of November 1, 2026. National averages cover active state lottery games at each price. The per-ticket gap applies the $10 payout difference to a $10 ticket.
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Frequently Asked Questions
Which New York scratch-off wins the most?
$5,000,000 Spectacular, a $20 game launched September 1, rates highest on our ValueScore at 90.9, with all four top prizes left. By payout, the $30 300X The Money returns 76.7% of sales and has three of its four $10 million prizes left.
Do New York scratch-offs pay less than other states?
On average, yes. New York's 107 games return 66.7% of sales as prizes against 69.9% nationally, and the state trails at six of seven price points, by up to four points at $10. Only its $1 games run slightly ahead.
How are New York scratch-off top prizes paid?
Most large ones come as annual payments. A $10 million top prize on the $30 games is listed as $500,000 a year for 20 years, and lifetime games like Win for Life pay weekly for life with a guaranteed minimum.
Phil Nageotte is a writer covering scratch-off odds, expected value, prize data, and more. He joined ScratchCheck in 2026 after years of tracking lottery payouts in spreadsheets of his own.
