Lotto America Prizes

There are nine prize tiers on offer in every Lotto America draw (or more with the All Star Bonus option), from $2 for just matching the Star Ball, all the way up to the jackpot (also known as the ‘Grand Prize’), which is won by matching all five regular balls and the Star Ball.

The jackpot starts at $2 million, and if it is not won in any given draw, it will roll over to the next one. There is no jackpot cap, so it will continue to roll over until it is won.

The table below details the different prizes on offer in Lotto America and the odds of winning each one:

Match Odds of Winning Prize
Match 5 + Star Ball Match 5 plus Star Ball 1 in 25,989,600 Jackpot
Match 5 Match 5 1 in 2,887,733 $20,000
Match 4 + Star Ball Match 4 plus Star Ball 1 in 110,594 $1,000
Match 4 Match 4 1 in 12,288 $100
Match 3 + Star Ball Match 3 plus Star Ball 1 in 2,404 $20
Match 3 Match 3 1 in 267 $5
Match 2 + Star Ball Match 2 plus Star Ball 1 in 160 $5
Match 1 + Star Ball Match 1 plus Star Ball 1 in 29 $2
Match 0 + Star Ball Match 0 plus Star Ball 1 in 17 $2
Overall chances of winning: 1 in 9.6

All Star Bonus

In addition to playing the main Lotto America game, you have the opportunity to opt in to the All Star Bonus for an additional $1 stake. The All Star Bonus multiplies non-jackpot prizes by up to five times their starting value.

On the night of each draw, the All Star Bonus is also randomly selected, applying either a 2x, 3x, 4x, or 5x multiplier to all non-jackpot prizes won by players who opted to play. The All Star Bonus is the same for all players, and is available in all states that offer Lotto America.

Note: You must choose whether or not to play the All Star Bonus when you purchase your Lotto America ticket. You cannot opt in once your ticket has been printed.

The table below shows the prizes on offer when you play the All Star Bonus:

Prize Tier Prize 2X 3X 4X 5X
Match 5 + Star Ball Match 5 plus Star Ball Jackpot Jackpot Jackpot Jackpot Jackpot
Match 5 Match 4 $20,000 $40,000 $60,000 $80,000 $100,000
Match 4 + Star Ball Match 4 plus Star Ball $1,000 $2,000 $3,000 $4,000 $5,000
Match 4 Match 4 $100 $200 $300 $400 $500
Match 3 + Star Ball Match 3 plus Star Ball $20 $40 $60 $80 $100
Match 3 Match 3 $5 $10 $15 $20 $25
Match 2 + Star Ball Match 2 plus Star Ball $5 $10 $15 $20 $25
Match 1 + Star Ball Match 1 plus Star Ball $2 $4 $6 $8 $10
Match Star Ball Match Star Ball $2 $4 $6 $8 $10

The Jackpot Prize

If the Lotto America jackpot was won in the previous draw, it resets to its starting value of $2 million. If no player matches all seven balls in any given draw, the jackpot rolls over to the next draw, where it will be increased by at least $50,000. If ticket sales are particularly high, the jackpot value may increase by an even larger amount.

Cash vs Annuity

If you win the jackpot, you have the option of receiving your winnings as either a cash lump sum, or an annuity payment.

The annuity option entitles you to the full advertised jackpot amount (minus taxes), in 30 payments over 29 years. The first payment will be made immediately. The benefits of annuity payments are that you receive the full jackpot amount, as opposed to a reduced cash value (see below), and you have the security of receiving a steady income for the foreseeable future.

Many winners choose to receive the jackpot as a one-off cash lump sum. However, the value of a lump sum payout is always less than it would be for the annuity option. This is because the cash prize represents the actual funds in the jackpot pool at the time of the draw, while the annuity value is based on the lottery’s expected return from investing the cash sum over 29 years. The annuity sum is guaranteed to the player and they receive the full amount even if the lottery makes investments that do not achieve the expected return.

If an annuity winner dies before receiving all of their payments, the prize transfers to their estate or to a beneficiary designated by them. Different states have different rules on whether the estate receives annual payments or the balance of the award:

State Lump Sum or Continued Payments?
Delaware Payments
Idaho Lump sum
Iowa Payments
Kansas Payments
Maine Payments
Minnesota Payments (estate can request the lump sum)
Montana Payments
New Mexico Payments (estate can request the lump sum)
North Dakota Lump sum
Oklahoma Payments
South Dakota Payments (estate can request the lump sum)
Tennessee Payments
West Virginia Payments (estate can request the lump sum)

Prize Rules

Lotto America prizes must be claimed in the state where the tickets were purchased. Each state has its own rules about when prizes must be claimed and it is the responsibility of the player to come forward in time. Visit the How to Claim page for more information.

Winning tickets must be checked and validated by the lottery operator in the state where the ticket was bought, or by an agent of the operator, such as an authorized retailer, before prizes can be paid out.

Taxes on Lottery Prizes

Anyone who wins a large prize must pay federal taxes in the US, regardless of whether or not they are a resident. This is set at a rate depending on your total annual income (including money from lottery winnings). The lottery makes an immediate 25 percent federal withholding on prizes of more than $5,000, and most states levy a local withholding, although Tennessee and South Dakota do not. The state withholdings are as follows:

State State Tax Withholding
Delaware 6.6%
Idaho 7.4%
Iowa 5%
Kansas 5%
Maine 5%
Minnesota 7.25%
Montana 6.9%
New Mexico 6%
North Dakota 2.9%
Oklahoma 4%
South Dakota Nil
Tennessee Nil
West Virginia 6.5%

Use the Tax Calculator to find out the value of a Lotto America prize after federal and state taxes in your jurisdiction have been deducted.