While striking National Football League players are losing more than $20 million weekly in salary, some teams, including the Los Angeles Raiders and the Washington Redskins, are clearing $1 million a week more than normal by using replacement teams, according to NFL Players Association and management sources.

The main reason for the owners' short-term windfall is a dramatic drop in player salaries, reducing the average cost of fielding a team from $1.05 million to $430,000 per week, according to M.J. Duberstein, NFLPA director of research.

According to NFLPA data, a player with the average NFL salary of $215,000 -- the owners say it is $230,000 annually -- has lost approximately $40,200 in the three-week-old strike and a player with the NFL median salary of $175,000 has lost $33,000. Neither figure includes incentive bonuses for playing time or statistics.

A league source said the Raiders made an extra $1 million for the first week of replacement games. The team's player payroll, one of the league's highest, exceeds $20 million annually, or $1.3 million per week since NFL players receive 16 paychecks a season. The average weekly player payroll per team is $837,000, according to NFLPA figures. Duberstein estimates teams are paying replacement players an average of $180,000 per week, or about $4,000 per man.

Duberstein figured the Redskins among the teams with the largest amount of additional net revenues for several reasons: a weekly prestrike payroll almost $300,000 above the average; no regular players -- active or injured -- crossing the picket lines; ticket sales of 80 percent last week, including no-shows.

Redskins owner Jack Kent Cooke said he had "no idea" what he saved from the first week of replacement games, saying he "annualizes" his business revenues and, "We would lose less money {for the fiscal year} than we formerly lost." Cooke has said the Redskins are not profitable and that is one reason he is seeking a 75,000-seat domed stadium to replace 55,000-seat RFK.

"Obviously, there are some substantial savings in player salaries," said Sargent Karch, a former chief negotiator for the NFL Management Council serving as a consultant in these negotiations.

As the strike continues, management will field replacement teams today for the second straight week and, according to Duberstein, most if not all the NFL's 28 teams will enjoy larger net revenues than normal. Some will be down from last week as more veteran players cross the picket lines. Of 1,585 players covered by the NFLPA, about 130 have crossed picket lines.

About 56 of those players are above or considerably above the league's average salary, Duberstein said. Some teams are paying a few non-striking veterans as much combined as the rest of their replacement squads. Duberstein cited the salaries of four New York Jets who crossed picket lines -- Mark Gastineau, Joe Klecko, Marty Lyons and Joe Fields -- as equaling those of all the replacement Jets. "If somebody said that, I wouldn't doubt it," Karch said.

Duberstein described the owners' increased profits as "a very immediate cash-flow view of the strike. The long-term costs probably will be severe for the owners, based on past experiences."

For instance, after a 57-day strike in 1982, it took 3 1/2 seasons for the attendance average to return to prestrike levels, according to Jack Donlan, the owners' chief negotiator. Karch says it is impossible to gauge the long-term damage to the owners. Cleveland Browns owner Art Modell said, "It's in everyone's best interests to settle."

The key issues, Karch said, are television and season tickets.

"We don't have any firm figures what the damage is," Karch said. "Obviously, the damage to the clubs is significant. It's awfully tough to calculate what the television damage is. We'll have to rebate a fair portion of {the rights fees}. Who knows what's going to happen to the November payment? Hopefully, the strike will be over before then.

"How do you measure long-term effect -- what the effect is going to be the next time we go in and negotiate a TV contract? How do you measure damage on season-ticket sales? People will say, 'Enough of this.' "

According to Duberstein, playing replacement games is much more profitable for the owners than locking the players out, as management did during the '82 strike. This year, when no games were played in Week 3 Sept. 27-28, the owners lost $1.2 million. Last week, with replacement games, average team revenue and savings was slightly over $2.6 million while expenses totaled $430,000.

Duberstein bases his figures on the following estimates: each team receives $973,000 weekly in television rights fees; the gate average is $526,000, luxury box income averages $255,000 for teams that have them, weekly player payroll costs are $837,000.

Karch said the NFLPA "figures are inflated as always." Karch said Duberstein's cost figures "aren't that far off. He has the contracts." But Karch said the estimated revenues are too high. Karch said the weekly television rights fee "was closer" to $700,000, attendance "$400,000-plus," luxury box revenue about half.

The difference in television revenue apparently comes from the NFLPA counting 16 payments a season and management using playoff weeks also in determining the weekly payoff. The union and management differ on salary figures because the NFLPA includes signing bonuses in the year the bonus is paid; the owners prorate it over the life of the contract.