A single ticket just made someone in Cave Creek a lot richer. An Arizona resident won $1 million in the Powerball during the Monday, July 20 drawing, matching all five white balls. Nobody hit the top prize, so the Powerball jackpot now climbs to $498 million. That raises the stakes for every player heading into Wednesday.
Key Takeaways
- A winning ticket sold in Cave Creek, Arizona is worth $1 million.
- No one claimed the grand prize, pushing the Powerball jackpot to $498 million.
- The million-dollar winner has not come forward publicly yet.
What Happened in Monday’s Powerball Drawing?
The Arizona Lottery confirmed the $1 million hit the morning after the Powerball drawing. The ticket matched five white balls but missed the red Powerball.
| Detail | What We Know |
|---|---|
| Drawing Date | Monday, July 20, 2026 |
| Ticket Location | Cave Creek, Arizona |
| Match | 5 white balls, no Powerball |
| Prize | $1,000,000 |
| Power Play | Likely not added (it would have doubled the prize to $2 million) |
| Winner Identity | Not yet released |
| Next Jackpot | $498 million (Wed., July 22) |
Players should check their numbers against the official Arizona Lottery results before tossing any ticket.
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How Rare Is a $1 Million Powerball Win?
Very rare. Our analysis suggests most players underestimate how tough the Match 5 tier really is.
| Match | Prize | Odds |
|---|---|---|
| 5 + Powerball | Jackpot | 1 in 292,201,338 |
| 5 white balls | $1,000,000 | 1 in 11,688,054 |
| 4 + Powerball | $50,000 | 1 in 913,129 |
| 4 white balls | $100 | 1 in 36,525 |
| 3 + Powerball | $100 | 1 in 14,494 |
| 3 white balls | $7 | 1 in 580 |
| 2 + Powerball | $7 | 1 in 701 |
| 1 + Powerball | $4 | 1 in 92 |
| Powerball only | $4 | 1 in 38 |
The overall odds of winning any lottery prize sit at roughly 1 in 25.
What Does the Winner Take Home?
A $1 million check sounds simple. Taxes make it smaller. Industry insiders are noting that winners often forget about federal withholding.
| Item | Estimated Amount |
|---|---|
| Gross Prize | $1,000,000 |
| Federal Withholding (24%) | -$240,000 |
| Arizona Income Tax (2.5% flat rate) | -$25,000 |
| Estimated Net | About $735,000 |
The final bill may run higher. Top earners can owe up to 37% federally at tax time.
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How Does the Prize Claim Process Work?
The prize claim follows a clear path. Here’s the step-by-step for the million-dollar winner:
- Sign the back of the ticket right away.
- Make copies and store the original in a safe place.
- Talk to a financial advisor and tax professional first.
- Schedule a visit to an Arizona Lottery claim office in Phoenix or Tucson.
- Bring a valid ID and Social Security number.
| Stage | Typical Timeline |
|---|---|
| Ticket Validation | Same day at claim office |
| Identity Review | 1 to 2 weeks |
| Payment Processing | Several weeks |
| Claim Deadline | 180 days from the drawing |
Can the Winner Stay Anonymous?
Yes. Arizona law lets winners of $100,000 or more keep their names private. That protection matters.
- Pro: Fewer scam calls and unwanted requests for money
- Pro: More privacy for family members
- Con: Local news may still report the retailer location
- Con: Friends may notice lifestyle changes
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Is Arizona on a Lottery Hot Streak?
If you’ve been following the Arizona Lottery, this won’t come as a surprise. The state has seen several $1 million Powerball hits recently.
| Date | Location | Prize |
|---|---|---|
| March 2024 | Sun City (Safeway, W. Bell Road) | $1 million |
| November 2025 | Arizona (one of four nationwide) | $1 million |
| July 2026 | Cave Creek | $1 million |
Each winning ticket reminds players that second-tier prizes can change lives too.
What Does This Mean for Arizona Players?
The $498 million Powerball jackpot will likely drive heavy ticket sales this week. Our analysis suggests a few smart moves:
- Set a budget before buying tickets.
- Check old tickets for unclaimed prizes.
- Use official apps or retailer scanners to verify results.
- Never share a photo of your ticket’s barcode online.
Wednesday’s Powerball drawing takes place at 10:59 p.m. ET. Whoever holds that Cave Creek ticket already has plenty to celebrate.
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