Memphis Tigers vs Charlotte 49ers Prediction, 10/3/2026 College Football Picks, Best Bets & Odds

Game: Memphis Tigers vs Charlotte 49ers

Date: Saturday, October 3, 2026

Location: Jerry Richardson Stadium in Charlotte, NC

TV: ESPN+

Odds/Point Spread: 49ers (+20.0)

Total/Over-Under: 53.5

The Memphis Tigers (3-1) are headed to Jerry Richardson Stadium on Saturday, October 3, 2026 where they will compete against the Charlotte 49ers (0-4). Charlotte opens this contest as 20-point dogs from oddsmakers. The over/under is set at 53.5.

The Memphis Tigers come into this matchup with a record of 3-1 for this year. In their last contest, the Tigers took on the Tennessee Martin Skyhawks and took home the win by a score of 45-21. When the final whistle blew, they ran 75 plays which totaled 572 yds. The Memphis Tigers ran the football 40 different times and accrued 299 yards, which earned them an average of 7.5 yards per carry. When it came to stopping the run, the Tigers conceded 114 yards on 28 attempts, which averages out to 4.1 yards per rush surrendered. Memphis surrendered 17 pass completions on 29 tries for 177 yards, and a completion rate of 58.6%.

When talking about getting in the endzone, the Memphis Tigers are sitting at 33.5 points per outing. Offensively they're averaging 241.0 yards on the ground ranking them 15th in D-1. The Tigers have earned 2,032 total yards for the year. In terms of getting the ball in the endzone, Memphis has compiled 10 touchdowns through the air and 7 rushing touchdowns. Memphis has amassed 89 first downs as a unit, and they have committed 19 infractions for 184 yds. They have turned the ball over 5 times.

The Tigers rank 97th in D-1 in terms of team defense, giving up 26.0 points per contest. Opposing teams are running for an average of 5.2 yards per running attempt and 187.3 rushing yards per contest for the year. During the season, they have allowed 749 rushing yards through 4 games. Regarding passing yards, the Tigers have allowed 1,014 yards which puts them in 115th in D-1. They have conceded 253.5 yards per outing through the air and allowed a completion percentage of 63.9%. Over the course of this year, they have surrendered 440.8 yards per outing which has them ranked 129th in D-1. They have yielded 6 touchdowns by air and 7 touchdowns on the ground.

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The 49ers step onto the field holding a record of 0-4 this year. When they last stepped on the field, the 49ers walked away with a loss by a score of 34-7 against the Louisiana Ragin' Cajuns. The 49ers finished the contest with a total of 137 yards while they ran 45 plays (3.0 yards per play). Charlotte ended up running for 1.7 yds per attempt, finishing the contest with 26 yds on 15 attempts. Charlotte conceded 49 rushing attempts for 133 yards (2.7 yds per rush). The 49ers pass defense allowed a completion percentage of 69.0%, relinquishing 159 yards on 20 for 29 passing.

The Charlotte 49ers have an average of 311.0 yards per game, which has them sitting 129th in D-1. The Charlotte offense has compiled 211 yards of penalties on 31 violations, which ranks 36th in D-1 in terms of giving up free yards. They hold an average of 105.3 rushing yards per game and have run for 421 yards for this season. They have thrown 6 interceptions while surrendering 3 fumbles and they have been able to tally 59 1st downs. Regarding how much they score, the 49ers rank 124th in Division 1 holding an average of 19.5 PPG. Over the course of the season to this point, the 49ers have compiled 823 passing yards along with holding an average of 205.8 passing yards per contest, which has them ranked 95th in D-1.

The 49ers are allowing 36.0 points per game, ranking them 130th in college football. Charlotte has given up a total of 618 yards rushing (154.5 yards per contest) and 13 touchdowns by way of the ground game on the season. They have given up 5 touchdowns via the pass and 232.3 yards per contest, which has them sitting 102nd in D-1. The 49ers defense has participated in 275 plays, which has them sitting 105th in college football. Their defense has tallied 2 fumbles and 2 interceptions over the course of the season. In total, they have conceded 144 total points.

Who will win tonight's Tigers/49ers college football game against the spread?

Tony's Pick: Take the Tigers -20.0

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