Blackjack 6:5 vs 3:2 EV Comparison Calculate the expected value difference between 6:5 and 3:2 payouts. Flat Bet Size ($) Hands Played Compare EV Expected Loss (3:2 @ ~0.5% edge): Expected Loss (6:5 @ ~1.9% edge): The 6:5 Penalty (Extra Loss): Note: A 6:5 payout increases the house edge by approximately 1.39%. Multiply total wagers by 0.005 for 3:2, and 0.0189 for 6:5.