Pass Your Kentucky Real Estate Exam the First Time

Kentucky adds specific state-level protected classes (like "smoker status" in some contexts) that aren't in federal law.

Questions

120

80 NAT / 40 STATE

To Pass

75%

~90 / 120 TO PASS

Time Limit

4 Hrs

240 TOTAL MINUTES

Provider

PSI

KREC

Pass your Kentucky Sales Associate, Broker or Principal Broker License

Kentucky updated its consumer protection rules in 2024 to specifically regulate listing agreements, and most study materials have not caught up.

Candidates preparing with materials from before that amendment will have the wrong answers for an entire category of questions. AI training data lags behind legislative changes, and language models cannot verify whether their content reflects current Kentucky law. Generic platforms do not track state specific amendments on any predictable schedule.

The License Professor is written by licensed Kentucky professionals who understand what the PSI state portion tests. Every question on local protected classes, KCPA listing agreement requirements, and agency form compliance is grounded in current Kentucky law.

Kentucky Sample Exams

Experience the real study interface — no account required.

Sales Associate

Individuals new to real estate who want to start their career helping clients buy and sell property

Broker

Experienced professionals who want to operate independently or run their own brokerage

Principal Broker

Brokers designated as responsible for a brokerage office's escrow account and operations

Three Topics that Trip Up Kentucky Students Most

Local Protected Classes

Kentucky’s fair housing covers federal classes, but cities like Louisville and Lexington add sexual orientation and gender identity protections — the exam tests whether agents must comply with local ordinances beyond state law (they must).

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Consumer Protection Act

Kentucky’s KCPA was amended in 2024 to specifically regulate residential listing agreements, making prohibited provisions void and classifying violations as "unfair, false, misleading, or deceptive" trade practices.

Agency Disclosure Forms

Kentucky uses a multi-form system (KREC Forms 400, 401S, 401B) covering five relationship types — the exam tests when each form must be presented and the difference between designated agency and limited dual agency.

The Kentucky Real Estate License Professor includes specialized deep dives for each of these.

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Kentucky Real Estate Practice Questions

Sample questions from the Kentucky real estate exam — with answers and explanations.

1. A property sells for $285,000. The seller pays the listing broker a 6% commission on the sale price, and the listing broker pays the buyer's broker 3% of the sale price out of that commission. How much of the commission does the listing broker keep?

  1. A.$5,700
  2. B.$8,550
  3. C.$11,400
  4. D.$17,100
Explanation: The seller pays $285,000 × 0.06 = $17,100, the listing broker passes $285,000 × 0.03 = $8,550 to the buyer's broker, and $17,100 minus $8,550 leaves $8,550. The full $17,100 is the tempting pick, but that is the total commission the seller pays, not what stays with the listing broker after paying the cooperating broker. Kentucky sets no commission rate, and 201 KAR 11:121 Section 3(1) requires the listing contract to state the agreed fee, so the split always comes from the paperwork. In practice, the closing statement shows each brokerage's check, and your own share is then split again with your principal broker.

2. A Kentucky seller lists a home 'as-is' and tells the listing agent they don't need to mention the roof leak they know about, since the buyer is taking the property as-is. Is the seller right?

  1. A.Yes; an as-is clause fully replaces any disclosure obligation.
  2. B.No; known material facts affecting the property's value or safety must still be disclosed regardless of an as-is clause.
  3. C.Yes, but only if the buyer doesn't ask about the roof directly.
  4. D.No, but only because roof issues are treated as a special category requiring disclosure.
Explanation: KRS 324.160(4)(b) lets the commission sanction a licensee who fails to disclose known defects that substantially affect a property's value, and nothing in it exempts an as-is sale. The idea that roofs are a special category tempts because roof leaks are a named line on the seller's disclosure form under KRS 324.360(3)(b), but the duty reaches any known defect of that weight, roof or not. An as-is clause only means the buyer takes the property in its current condition, so tell the seller the leak goes on the disclosure form, and if they refuse to complete it, KRS 324.360(8) requires that refusal to be communicated to the buyer in writing.

3. In Kentucky, a sales associate with no associate degree in real estate and no bachelor's degree with a real estate major or minor wants to become a broker. How much sales associate experience must that person have before applying for a broker's license?

  1. A.1 year, averaging at least 20 hours per week
  2. B.2 years, averaging at least 20 hours per week
  3. C.3 years, averaging at least 30 hours per week
  4. D.5 years, averaging at least 40 hours per week
Explanation: KRS 324.046(1)(b) requires a broker applicant to have worked as a sales associate averaging at least 20 hours per week for 24 months before applying, and 201 KAR 11:210 Section 2 asks for proof of exactly that experience. One year is the tempting pick because KRS 324.046(4) lets the commission cut the requirement to one year, but only for an applicant with an associate degree in real estate or a bachelor's degree with a real estate major or minor. The law sets no window requiring those two years to fall within a recent period. In practice, your principal broker signs a sworn statement verifying your experience under KRS 324.046(3), so keep that relationship in good standing.
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More on Kentucky Licensing

Deeper reading on the topics that matter most for Kentucky candidates.

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Kentucky Real Estate Exam Structure: What to Expect

Kentucky's Sales Associate exam combines 80 national questions and 40 Kentucky-specific questions — 120 scored questions total — in 240 minutes.

Question breakdown

National portion: 80 questions, 150 minutes, 75% passing

Property ownership, financing, general principles of agency, contracts, and practice of real estate are the largest national categories.

Kentucky portion: 40 questions, 90 minutes, 75% passing

  • Real Estate Commission (7 items)
  • Requirements for a License (7 items)
  • Brokerage Activities and Requirements (14 items) — the dominant category
  • License Law Requirements for Contracts (5 items)
  • Disclosures and Agency Issues (4 items)
  • Property Management (3 items)

Before you can even schedule

Kentucky requires a cleared FBI fingerprint-based criminal background check before you're eligible to schedule your exam — plan for this well in advance, since it's a prerequisite step most states don't require this early.

Cost structure

  • Pre-licensing (96 hours): $350-$700
  • Exam: $100
  • License application: ~$50
  • Errors and Omissions insurance: pro-rated by issuance month, roughly $40-$260 depending on when you're issued, plus a $10 KREC processing fee
  • Total: $550-$1,120

Retake rules

Pass one portion and fail the other: retake only the failed portion, within 4 months. Miss that window and you retake both. $100 per attempt regardless of how many portions you're retaking.

Topics Covered on the Kentucky Real Estate Exam

National Exam Topics (80 questions)

  1. Property Ownership (7 items) — classes of property, land characteristics, ownership types
  2. Land Use Controls and Regulations (5 items) — zoning, environmental hazards
  3. Valuation and Market Analysis (8 items) — appraisal approaches, CMA
  4. Financing (6 items) — loan types, financing law
  5. General Principles of Agency (10 items) — agency relationships, fiduciary duties
  6. Property Condition and Disclosures (8 items) — material fact disclosure, warranties
  7. Contracts (11 items) — the largest national category
  8. Transfer of Title (5 items) — deeds, closing, title insurance
  9. Practice of Real Estate (12 items) — trust accounts, fair housing, advertising, antitrust
  10. Real Estate Calculations (6 items) — LTV, prorations, valuation math
  11. Specialty Areas (2 items) — subdivisions, commercial/industrial property

Kentucky State Exam Topics (40 questions)

  1. Real Estate Commission (7 items) — general and enforcement powers, sanctions
  2. Requirements for a License (7 items) — eligibility, renewal, E&O insurance, background check
  3. Brokerage Activities and Requirements (14 items) — over a third of the state exam: commissions, advertising, escrow accounts, broker lien law, the zero (no-call) list
  4. License Law Requirements for Contracts (5 items) — Statute of Frauds, listing/purchase contracts
  5. Disclosures and Agency Issues (4 items) — personal interest disclosures, condominium seller certificates, property conveyance stigma law
  6. Property Management (3 items) — management agreements, security deposits

Why this list matters

Brokerage Activities and Requirements alone is over a third of Kentucky's state exam. Master this category before anything else on the state side.

What this list doesn't tell you

Kentucky's broker lien law and property conveyance stigma law are genuinely distinctive topics with no equivalent in generic national prep material — budget dedicated study time for both.

Kentucky Exam FAQ

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