Memphis vs. Charlotte prediction: Why Memphis is favored to win in college football Week 5 [2026]

Using innovative machine learning and data, we have re-simulated the outcome of Memphis vs. Charlotte, forming part of our college football predictions coverage.

Our independent predictive model gives Memphis a 90.0% chance of beating Charlotte. Our predicted final score has Memphis winning 34-17. According to our model, Charlotte (+18.5) has a 54.1% chance of covering the spread, while the over/under total of 51.5 points has a 51.0% chance of staying under.

Latest betting odds

We have researched the best college football odds in America for this game, which are listed here:

• Spread: Memphis -18.5 (-110) / Charlotte +18.5 (-105)
• Moneyline: Memphis -1200, Charlotte +950
• Total: Over/Under 51.5 (-108/-104)

All odds are correct at the time of publication and are subject to change.

Model picks and best bet

After matching our predictions against the best current odds, we can reveal our picks for each of the major markets in this matchup. Plus, find our best bet for the game below:

• Spread: Charlotte +18.5 @ -105 via bet365
• Moneyline: Charlotte @ +950 via BetRivers
• Total: Under 51.5 @ -104 via FanDuel

According to our college football best bets, the top play to make on this game is Charlotte +18.5 at the spread.

These picks are based on our probabilities matched against the implied probabilities from the current available odds.

Game info & kickoff details

Saturday's college football game between Charlotte and Memphis at Jerry Richardson Stadium is scheduled to begin at 11:00 AM ET.

• Who: Memphis vs. Charlotte
• Date: Saturday, October 3, 2026
• Time: 11:00 AM ET/8:00AM PT
• Venue: Jerry Richardson Stadium

College football Week 5 promos

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Conclusion

We predict Memphis, with a 90.0% win probability, will likely beat Charlotte in Saturday's college football matchup.

Additional tools and information for betting safely can be found in our Responsible Gambling hub.

This article's predictions and probabilities are generated by Dimers' proprietary College Football prediction model. Our editorial team reviews the resulting content for accuracy and presentation before publication.