San Francisco 49ers vs Carolina Panthers Odds, Predictions and Best Bets for Week 5

By Michael Harrison in NFL Football
Published:

- The 2-and-2 San Francisco 49ers take on the 1-and-3 Carolina Panthers on Sunday, October 9th
- San Fran are priced as 6-and-a-half point favorites in the Week 5 NFL odds
- See the 49ers vs Panthers odds and picks ahead of Sunday afternoon’s game at 4:05 pm ET
Two teams appearing to be headed in different directions will renew hostilities Sunday, October 9th with the 49ers taking on the Panthers. San Fran is coming off a big Monday Night Football victory over the Rams, while the Panthers have dropped three of their first four contests.
Jimmy Garoppolo and co. are 6.5 favorites to come out of Bank of America Stadium as victors over Baker Mayfield’s squad. Both teams have struggled to score points in the early going of the campaign.
49ers vs Panthers Odds
Team | Spread | Total | Moneyline |
---|---|---|---|
San Francisco 49ers | -6.5 (-112) | O 39 (-110) | -286 |
Carolina Panthers | +6.5 (-109) | U 39 (-110) | +230 |
Odds as of October 8. Be sure to check out this unique Barstool Sportsbook promo code to bet on the NFL this weekend.
The 49ers are -286 favorites on the moneyline, 6.5-point favorites against the spread and the total is set at 39 in this 49ers vs Panthers matchup.
San Francisco is also predicted to win 14.2-5.3 based on our formula.
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Kickoff at Bank of America Stadium in Charlotte, North Carolina is set for 4:05 pm ET. It’s expected to be mainly sunny all game. There will barely be a breath of wind. CBS is carrying the broadcast in the United States.
49ers Defense Has Been Smothering
In the first four games of the campaign, the 49ers brand of defense has been suffocating. Ironically the most points they’ve given up in a game was the first week against the hapless Bears offense (19). Since then, they’ve combined to allow just 27 points total to the Seahawks, Broncos and Rams.
The 49ers defense is ranked:
– 1st in points allowed
– T-1st in total defense
– 2nd in passing yards allowed
– 2nd in rushing yards allowed
— Jordan Elliott (@splash_cousin) October 4, 2022
The Panthers, who will have played four of their first five games of the season at home, have dropped three of four. The first two losses were by two and three points respectively, but they lost by ten to the Cardinals in Week 4.
According to Pro Football Focus, the Niners are the third-ranked team through four weeks (28th on offense, first on defense). It’s been ugly for the Panthers, who are 30th on offense and 16th on defense.
49ers vs Panthers Injury Report
San Francisco won’t be without its challenges from an injury perspective this week – Thursday LB Arik Armstead didn’t practice, nor did Nick Bosa (rest). Trent Williams, Javon Kinlaw and four others also DNP. Receiver Jauan Jennings and TE Ross Dwelley were limited.
#Panthers safety Xavier Woods is expected to be a game-time decision vs. the 49ers with a hamstring injury, per @josephperson.
Carolina would be without their two starting safeties if he cannot go. pic.twitter.com/iTUdjK8DV3
— Cat Crave (@CatCraveBlog) October 6, 2022
The Panthers will be dealing with the loss of starting safety Jeremy Chinn being placed on injured reserve. Their other safety Xavier Woods did not practice, along with LB Frankie Luvu, WR Laviska Shenault, TE Stephen Sullivan and CB Stantley Thomas-Oliver. The good news for the squad is that running back Christian McCaffrey was taken off the injury report and practiced.
86% of the handle has been placed for the 49ers to cover, with 62% of bets on the over in 49ers vs Panthers NFL betting trends, with a whopping 91% of wagers on San Fran to win on the moneyline.
49ers vs Panthers Prediction
As competitive as the Panthers have been, despite their 1-and-3 record, they haven’t faced the likes of a ferocious defense like Baker Mayfield and co. will have to deal with on Sunday. It could get ugly early, with San Fran likely stacking the box to neutralize Christian McCaffrey to dare Mayfield to throw the ball. Carolina could get down in the first quarter and the Niners stout defensive line could tee off on the Panthers signal caller.
– 7 sacks
– 1 pick-6
– 1 fumble recovery
– 9 points allowedThat @49ers defense looked unstoppable on SNF. 😤 (by @CourtyardHotels) pic.twitter.com/PuP1qVvgMT
— NFL (@NFL) October 6, 2022
None of the 49ers four games have gone over the listed 39-point total. However, there’s solid potential for Deebo Samuel to rip off big yardage and score, especially if the Panthers won’t have both starting safeties.
It also wouldn’t be a shock to see a defensive TD by the Niners, like they did last week against the Rams. Carolina could then add on some points in garbage time to hit the over.
The Pick:
- 49ers -6.5 (-112); 1 unit to win 0.89 units
- OVER 39 (-110) 1 unit to win 0.91 units
2022 record: 5-4; +0.85 units

Sports & Entertainment Writer
Michael "Hound Dog" Harrison is well known in the sports industry as the resident statistician for the SC with Jay Onrait Show. He has worked at TSN for over 19 years, is the CEO of his "All Bets Par Off" weekly golf betting videos and his HDOG POD, along with several others.