— A Straight Answer
I thought it would be a simple question Google will give a straight answer. But after reading a few articles in the top search result, I did not get one. So I want to do the research for you and here is my estimate:
By 11/3–11/4: 75%+
Reasoning: Based on the NYTimes article, if Biden wins Florida or North Carolina, he is solid. Assuming he has a 50% chance for both states, the probability of him wining at least one of them is 75%.
By 11/6: 90%+
Reasoning: I searched for 2 of the closest elections (2004, 1960). In both cases, people had a good sense of who won by the next day.
Wild card:
Don’t think there have been candidates before who suggested would not accept the election result. But still, that won’t stop the media from calling the result.
So unpopular opinion here: you still have a good chance of “knowing: the election result (reasonably well) on election night.
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