Kentucky Lottery - Guide to KY Lotto Games & Laws

Learn everything you need to know about Kentucky's lottery and scratch-offs

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Kentucky proudly embraced the lottery in 1989, providing residents with a new avenue for entertainment and potential profit. Administered by the Kentucky Lottery Corporation, the lottery has since grown in prominence and impact. Over the years, winners have pocketed billions in rewards, with scratch-off online gambling sites being particularly popular. 

Taxes and revenues from lottery activities have been channeled into state educational programs, ensuring brighter futures for many. Delving into this Kentucky lottery guide, readers will uncover the rich history, legal nuances, and the lottery’s influence on the Bluegrass State’s social and economic fabric.

Kentucky Online Lottery

The Kentucky online lottery serves as a digital gateway for lottery enthusiasts, allowing users to participate in various games without visiting a physical store. Through this platform, players have access to draw games, instant play games, and a range of scratch-offs. To ensure a seamless gaming experience, the state has developed an easy-to-use app that provides all these features right at your fingertips. Moreover, it’s not just about playing; the app also offers real-time results and jackpot updates.

  1. Visit the Official Site: Begin by navigating to the Kentucky Lottery’s official website using your smartphone or tablet.
  2. Find the App Download Section: On the homepage, look for the section dedicated to app downloads.
  3. Choose Your Platform: Depending on whether you have an iOS or Android device, select the appropriate option.
  4. Initiate the Download: Click on the ‘Download’ button. For iOS users, this will redirect you to the App Store. Android users might receive a prompt about downloading from an unknown source; ensure you allow the download.
  5. Install the App: Once the download is complete, open the file and follow the on-screen instructions to install.
  6. Register or Log In: After installation, open the app. If you’re a new user, register by following the app’s prompts. Returning users can simply log in.

You can play all your favorite draw games like Powerball and Mega Millions. Another thing the app lets you do is choose your numbers or let the system pick them for you. Also, if you want results immediately, you can dive into a variety of instant play games, each with its own unique theme and winning opportunities.

There’s the option to digitally scratch your way to potential winnings, enjoying an array of themes and prize tiers. Like the best lottery apps in the US, you can check real-time draw results, watch the live drawings, and stay informed about jackpot amounts and other critical updates.

Kentucky Multi-state Draw Games

Kentucky’s participation in multi-state draw games has enriched the lottery experience for players across the state, providing thrilling opportunities to win substantial prizes. These multi-state lotteries span across numerous jurisdictions, building up larger jackpots and an exciting playing atmosphere. Here, you will explore the popular multi-state draw games available in Kentucky, including ways to participate, ticket prices, available prizes, and examples of winners. Note that each state has its legal gambling age, so note that before playing in Kentucky.


In Kentucky, you can play Powerball by visiting an authorized retailer or through online channels. You’ll need to select five numbers from 1 to 69 and a Powerball number from 1 to 26. A Powerball ticket costs $2. You can also add the Power Play option for an additional $1.


Prizes start at $4 for matching just the Powerball and can go up to the jackpot for matching all five numbers and the Powerball. The jackpot begins at $20 million and grows with each draw. A Kentucky family won a $1 million Powerball prize in 2019 by matching all five white ball numbers.

  • The deadline for ticket purchase is 7:55 p.m. MT on draw days.
  • The Power Play option can multiply non-jackpot prizes.
  • Winning numbers can be checked through authorized retailers or online platforms.
Matching numbers Prize amountOdds
Matching 5 + Powerball$194,000,0001 in 292,201,338
Matching 5 + $1,000,0001 in 11,688,054
Matching 4 + Powerball$50,0001 in 913,130
Matching 4$1001 in 36,525
Matching 3 + Powerball$5001 in 14,495
Matching 3$201 in 580
Matching 2 + Powerball$201 in 702
Matching 1 + Powerball$101 in 92
Matching Powerball only$71 in 38

Mega Millions

You can play Mega Millions in Kentucky by purchasing a ticket from an authorized retailer or online. Choose five numbers from 1 to 70 and one Mega Ball number from 1 to 25. Each Mega Millions ticket costs $2, with the optional Megaplier available for an extra $1.

Mega Millions

Prizes range from $2 for matching only the Mega Ball to the jackpot for matching all numbers and the Mega Ball. Jackpots start at $20 million and roll over if not won.

A Kentucky player won $4 million in Mega Millions by using the Megaplier option in 2018, quadrupling the regular $1 million prize for matching five numbers.

  • Lottery tickets must be bought by 7:55 p.m. MT on the day of the draw.
  • The Megaplier option can multiply non-jackpot winnings.
  • Official results are available at authorized retailers and online.
Matching numbers Prize amountOdds
Matching 5 + Mega BallJackpot 1 in 302,575,350
Matching 5 $1,000,0001 in 12,607,306
Matching 4 + Mega Ball$10,0001 in 931,001
Matching 4$5001 in 36,792
Matching 3 + Mega Ball$2001 in 14,547
Matching 3$101 in 606
Matching 2 + Mega Ball$101 in 693
Matching 1 + Mega Ball$41 in 89
Mega Ball only$21 in 37

Lucky for Life

Lucky for Life can be played in Kentucky by selecting five numbers from 1 to 48 and a Lucky Ball from 1 to 18. Lottery tickets are available at authorized lottery retailers or online. The cost for a Lucky for Life ticket is $2 per play.

Lucky for Life

The top prize is $1,000 a day for life, won by matching all numbers and the Lucky Ball. A second prize of $25,000 a year for life can be won by matching the five numbers.

A player in Kentucky won the second prize of $25,000 a year for life in Lucky for Life in 2020.

  • Tickets must be purchased by 7:30 p.m. MT on draw nights.
  • Winners can choose between a lump sum or annuity payments.
  • Draws and results can be tracked through official sources and online platforms.
Matching numbers Prize amountOdds
Matching 5 + Lucky Ball$1,000/Day for Life1 in 30,821,472
Matching 5 $25,000/Year for Life1 in 1,813,028
Matching 4 + Lucky Ball$2001 in 8,433
Matching 4$1501 in 3,413
Matching 3 + Lucky Ball$201 in 201
Matching 3$251 in 250
Matching 2 + Lucky Ball$31 in 15
Matching 1 + Lucky Ball$61 in 50
Lucky Ball only$41 in 32

Kentucky Draw Games

Kentucky, renowned for its bourbon, horse racing, and beautiful landscapes, also boasts an array of local draw games for its residents. These lotteries offer Kentuckians a chance to win exciting prizes while supporting good causes across the state. Let’s dive into the rich offerings of Kentucky’s local draw games.

Pick 3

A daily game loved by many, Pick 3 lets participants select a three-digit number, offering multiple ways to play and win.

Choose a three-digit number ranging from 000 to 999. There are several play styles, such as straight (exact match) or box (any order match). Draws occur twice daily.

Bets can range from $0.50 to $1, depending on your playstyle choice. Prizes range based on bet type, with the highest being $600 for a $1 straight wager.

Joyce from Lexington won $600 with a straight match, turning her regular coffee break into a celebration.

  • Double-check your ticket for accuracy before leaving the counter.
  • Midday and evening draws offer double the chances to win.
  • There are five play types: straight, box, straight/box, 1-OFF, and super straight.

Pick 4

An extension of Pick 3, Pick 4 allows players to select a four-digit number, increasing the odds and prize potential.

Select a four-digit number from 0000 to 9999. There are different play styles to consider. Like Pick 3, there are two draws daily. Wagers start at $0.50, reaching up to $1, contingent on your chosen play method.

Winnings differ based on the bet, with the top prize being $5,000 for a $1 straight wager. Derek from Bowling Green turned a usual day into an extraordinary one by bagging $5,000 from a straight match.

  • Tickets are available at licensed Kentucky Lottery retailers.
  • The daily draws mean daily winning opportunities.
  • Payouts are immediate, with winnings available shortly after each draw.

Cash Ball 225

This exciting game offers a combination of regular ball and cash ball numbers, creating dynamic gameplay.

Pick four numbers from 1 to 35 and one Cash Ball number from 1 to 25. Draws are held every night. Each ticket costs $1. The jackpot starts at $225,000 and grows with each draw until someone secures it. Secondary prizes range from $1 to $2,000.

In 2020, Rita from Louisville clinched the Cash Ball 225 jackpot, walking away with a cool $225,000.

  • The game has been a Kentucky favorite since its inception in 2014.
  •  It’s possible to play the same numbers for consecutive draws.
  •  Jackpot winners can opt for a lump sum or an annuity payout.

5 Card Cash

Merging the excitement of card games and the thrill of instant wins, 5 Card Cash is truly unique.

Players receive five card symbols on their ticket. Instant wins arise from poker-style card combinations. Additionally, a nightly draw offers further winning chances.

A 5 Card Cash ticket is priced at $2. Instant prizes go up to $5,000, while the draw game’s top prize is $100,000.

Ethan from Paducah had a double celebration when he won instantly and then bagged a prize in the nightly draw, totaling over $10,000.

  • The game offers two ways to win: instantly and via the draw.
  • Ensure you understand the poker hand rankings as they determine instant win amounts.
  • Tickets are available across all Kentucky Lottery retailers.

Kentucky Lottery Number Drawing Schedule

Kentucky Lottery offers a diverse range of draw games with specific timings throughout the week. Whether you’re playing daily draws or jackpots, staying updated with the schedule enhances your lottery experience.

Mega Millions10:00 PM10:00 PM
Powerball9:59 PM9:59 PM
Cash4Life8:00 PM8:00 PM8:00 PM8:00 PM8:00 PM8:00 PM8:00 PM
Fantasy 510:34 PM10:34 PM10:34 PM10:34 PM10:34 PM10:34 PM10:34 PM
Jackpot Triple Play10:15 PM10:15 PM
Time Zone: CDT

Kentucky Scratch Tickets

Kentucky Scratch Tickets, often known as “scratch-offs,” offer lottery enthusiasts an immediate chance to win cash prizes. Distinct from draw games, these tickets provide instant gratification, with players simply scratching off a protective layer to reveal potential winnings. Available in a range of prices, themes, and prize structures, they have become a favorite for many looking for a quick thrill. Their appeal lies not just in the immediacy of the result but also in the diverse options available.

Scratch off nameTicket PriceMaximum Win
Gold Rush$5$100,000
Lucky 7s              $2$20,000
Diamond Dollars       $10$500,000
Royal Win$1$5,000
Kentucky Cash Blowout$20$1,000,000
5X The Cash$1$5,000

Kentucky Lottery Laws

The Commonwealth of Kentucky offers a wide range of lottery games, all governed by specific laws and regulations to ensure fairness and integrity. These laws encompass everything from the age requirements to play, tax obligations for winners, and even the rights to anonymity for those who strike it big. The Kentucky Lottery has evolved over the years, adapting to technological changes and public demand. These laws not only protect the players but also ensure that the proceeds benefit the state, particularly in supporting educational initiatives.

AspectMississippi Lottery Law
Legal age for lottery game18  years
Tax on winningsState: 6%; Federal: 24% for residents
Anonymity for winnersYes  
Limit to claim win180 days from the draw date
Online lotteryYes  

Overview of the Kentucky Lottery

In the heart of the Bluegrass State, the Kentucky Lottery stands as a popular form of entertainment and hope for many. Established in the late 20th century, the organization provides a myriad of games, from instant scratch-offs to large jackpot draws. Over the years, winners have walked away with significant sums, changing their lives forever. As you explore the lottery, it’s interesting to delve into its history and the impact it has on the state.

AspectKentucky Lottery Law
Company NameKentucky Lottery Corporation 
Founded Date April 4, 1989
HeadquartersLouisville, Kentucky 
Website Address
Biggest Win in History$128 Million (Mega Millions, 2010)

The revenue generated from the Kentucky Lottery primarily supports the state’s educational programs. This means that every ticket you buy not only offers you a chance to win but also helps further education in Kentucky. On the tax front, remember that lottery winnings are subject to both state and federal taxes. In Kentucky, the state tax is 6%, while the federal tax for residents stands at 24%.

Other Gambling in Kentucky

In Kentucky, the realm of legalized gambling primarily revolves around horse racing, a deep-rooted tradition that has made the state famous worldwide. Pari-mutuel wagering on horse races at licensed racetracks and off-track betting facilities is entirely legal and widely embraced. Additionally, the state runs the Kentucky Lottery, which offers a variety of draw games and scratch-off tickets. While casino-style gambling, such as slot machines and table games, remains prohibited, charitable gaming activities like bingo and raffles are permitted, given they meet specific state regulations.

Kentucky Lottery Winners

Kentucky, with its rich history of lottery games, has turned many participants into instant millionaires over the years. The thrill of winning, the life-changing amounts, and the stories behind each winner make for captivating tales of fortune and serendipity. These winners not only achieved their dreams but also became a testament to the potential outcomes of participating in the Kentucky Lottery.

NameDateWin AmountGame
Nicole Workman2023$50,000 Powerball
Anonymous20016$186,196Wild Life Clusters


What does the phrase “Second Chance” on my ticket mean?

“Second Chance” on your lottery ticket signifies a supplementary opportunity provided by the lottery organization. Even if your ticket did not win in the primary drawing, this provision allows you to enter it into a distinct drawing for an additional possibility of securing a prize. It’s a feature designed to enhance the value and potential of your lottery purchase.

Do lottery laws differ in all US states?

Indeed, as you navigate the landscape of U.S. lotteries, you’ll discover that lottery laws and regulations differ across individual states. Each state autonomously determines its gambling laws, prize structures, and distribution methods. Thus, it’s prudent for you to familiarize yourself with the specific laws governing the lottery in any particular state in which you choose to participate.

Can I play lotteries for real money at online casinos in Kentucky?

While Kentucky does operate its official lottery with online purchase options, online casinos as a separate entity are not sanctioned. Therefore, while you can buy lottery tickets online for real money through authorized platforms, playing casino games for real money at online casinos remains prohibited within the state’s boundaries.

Why do Kentucky lotteries not offer fixed prizes?

The premise of your question presupposes that Kentucky lotteries do not offer fixed prizes, which is not entirely accurate. In fact, the Kentucky Lottery does present a range of games, some of which have fixed prize amounts alongside the games with variable jackpots. As you explore Kentucky’s lottery offerings, you’ll find it beneficial to consult official sources or the state’s lottery website to gain accurate and comprehensive information on prize structures.

Can winners of the Kentucky lottery maintain their anonymity?

In Kentucky, if you are fortunate enough to secure a lottery win, you should be aware that the state does not grant full anonymity to jackpot winners. However, recent changes have provided winners with certain privacy protections, allowing them to shield some personal details. It’s crucial for you to consult with legal professionals and the Kentucky Lottery Corporation for specific guidance on maintaining as much privacy as possible upon securing a win.

Is there an app for the Kentucky Lottery?

Yes. The Kentucky Lottery offers an official app designed to enhance the experience of its players. Through this app, you can check winning numbers, scan tickets to see if they’re winners, and access various other features related to the state’s lottery games. It’s advisable for you to download the app from trusted sources, such as official app stores or the Kentucky Lottery website, to ensure authenticity and security.

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