How To Get Real Estate License In Ky? (Solution)

Requirements for a Kentucky Real Estate License

  1. Be 18 years of age;
  2. Have attained a high school diploma or GED;
  3. Completed all real estate pre-license courses prior to taking the real estate examination;
  4. Complete FBI criminal background check; and.
  5. Must apply within sixty (60) days of passing their exam.


How hard is the Kentucky real estate exam?

The Kentucky Real Estate Salesperson Exam is one of the hardest state test to pass in the United States. We have compiled this simple exam cram book that quickly and easily prepares you to take your state licensing exam and pass it on the 1st try with the PSI exam.

How much does a realtor make in KY?

The average salary for a real estate agent in Kentucky is around $46,162 per year.

How long is the Kentucky real estate course?

96-Hour Online Interactive Course Kentucky requires one course to get your real estate license: a 96-Hour Salesperson Pre-License Course.

Is there math on the real estate exam?

No matter what state you are wanting to get a real estate license in, you can expect to see math questions on the exam. While the number of math questions on the exam varies from state-to-state, the total number of math-related questions is somewhere between 10-15%.

How many times can you take the KY real estate exam?

In fact, you can take it as many times as you want but keep in mind you must pay the exam fee on each additional attempt. Good news, though, you only have to retake the portion of the exam – national or state law – you failed. You have four (4) months for the retake. After that, both portions must be retaken.

How long does it take to become a real estate agent?

You can become a real estate agent in about four to six months, depending on where you live. Online prelicensing classes can speed up the process. Requirements vary by state, but the general steps are to take a real estate prelicensing course, take the licensing exam, activate your license, and join a brokerage.

How do I pass the Kentucky real estate exam?

To pass, you must answer correctly at least 75% of the questions. The broker exam consists of 80 national questions and 50 state-specific questions. To pass, you must answer correctly at least 75% of the questions.

Is it worth it to become a real estate agent?

Choosing to become an estate agent is no longer a stop-gap or part-time job, but a real career choice with excellent prospects. It is an option definitely worth considering for graduates and school leavers, especially those with ambition, drive and initiative and who enjoy dealing with people.

Is real estate test hard?

Real estate exams are designed to be difficult to pass, so they can weed out people who are not going to be skilled agents. Though the pass rate varies based on the state exam, they hover around 50% across the country. This means only about half of the people who take a state licensing exam pass.

What kind of questions are on the real estate exam?

Some topics that may appear on the exam include:

  • Real Property Characteristics.
  • Freehold Estates.
  • Real Estate Ownership.
  • Land and Property Descriptions.
  • Monetary and Non-Monetary Incumbrances.
  • Local, State, and other Government Restrictions.
  • Real Property Liens.
  • Agency and Agency Relationships.

What is the T Bar Method?

The T-BAR Method Multiply if the line between the figures is vertical to get the unknown, and divide if the line between the figures is horizontal to get the unknown. If dividing, always input PART first into the calculator. Example::TOTAL * (RATE / RATE) = PART / RATE is the same as TOTAL = PART / RATE.


The Kentucky Real Estate Commission requires all people who wish to engage in the profession of real estate brokerage in the state to first obtain a sales associate or broker license from the commission. Individuals who wish to apply for licensing must satisfy the conditions outlined below.

Requirements for a Kentucky Real Estate License

All candidates must meet the following requirements:

  • Be at least 18 years old
  • Have earned a high school diploma or GED (see also:Foreign Transcripts)
  • And be a U.S. citizen. Completing all required real estate pre-license courses prior to sitting for the real estate examination Complete an FBI criminal background check
  • And, must submit an application within sixty (60) days of passing their examination.

Applicants for the Sales Associate License must additionally meet the following requirements:

  • Take and pass the Kentucky Sales Associate test after completing either six (6) credit hours in real estate courses from a recognized institution or ninety-six (96) classroom hours in real estate programs from an approved proprietary school.

In addition, applicants seeking a Broker’s License must possess the following qualifications:

  • Experiential requirements: Two (2) years of experience working at least twenty (20) hours per week as a licensed professional. In addition, the testing agency will only offer the experience verification affidavit as part of your application if you pass the exam. • Twenty-one (21) credit hours with twelve (12) in real estate from a recognized institution and three (3) credit hours in Brokerage Management
  • Or three hundred thirty-six (336) classroom hours in real estate from an authorized proprietary school and forty-eight (48) credit hours in Brokerage Management Important Reminder: Before enrolling for the broker test, seek an Education Review, form207, to confirm that you have completed the necessary hours for the exam. To ensure timely processing, please allow 7-10 business days. Registration for the test should not be done until you have verified with the KREC that you have completed all of the needed hours. Checklist for submitting application materials: To view a checklist of items to submit, select the kind of license/capacity for which the license will be given from the drop-down menu. Please double-check that all of the items on your form are filled and properly before submitting them to the Commission. The Commission should be contacted by applicants who have particular inquiries or who have special circumstances.

Changes to Testing that will take effect on July 1, 2015:

  • After passing one component of the Kentucky Salesperson or Kentucky Broker test (based on national or state legislation) but failing the other portion, applicants will be allowed to take that section once again within four (4) months after completing the first portion. This will take effect on JULY 1, 2015. Both components of the test must be retaken four (4) months after the date of the original testing. Once both components have been successfully completed within the requisite four (4) month timeframe, a candidate will be handed an application form at the testing location and will have sixty (60) days to submit their application for a license to the Department of Motor Vehicles. Upon expiration of sixty (60) days, the entire exam is nullified. The exam will cost you $100, regardless of whether you take one or both halves. Prior to take the license test, candidates must complete all course prerequisites and get a copy of their FBI background investigation report.

Online Real Estate Classes Kentucky: How to Become an Agent

Obtaining a Kentucky real estate license may appear to be a difficult task, but we are here to assist you throughout the process. You can continue reading to find more about the six steps you’ll need to do before beginning your real estate profession in Kentucky. To find out how much it will cost you to obtain your real estate license in Kentucky, please see our Kentucky Pre-Licensing Pricing page. Purchase your Kentucky Pre-Licensing Certificate »


  • You must be at least 18 years old to participate. The requirement is that you have a high school diploma or its equivalent.

Complete 96 hours of approved Pre-Licensing education.

  • The course must be completed successfully and be 96 clock hours in length. For more information on your package options, go here.

Pass the course final exam.

  • After you have completed all of the course materials, met the minimum time requirement, and passed the practice exam, you will be required to take the final course exam. The passing mark is 75 percent, which is the bare minimum. This final exam must be done in the presence of a proctor, and you will need to make an appointment with a proctor in advance of taking the examination. Learn more about our online proctoring method by visiting this page.

Complete the background check requirement.

  • As a next step, you must provide the Kentucky Bureau of Investigation with a set of fingerprints for the purpose of performing a Kentucky and national fingerprint-based criminal history background check, which will include data from both the CBI and the FBI. For further information, please see the following link:

Pass the Kentucky Real Estate Examination.

  • PSI is in charge of administering the Kentucky real estate license examination. It is divided into two sections, each of which contains 130 questions and covers both state and national standards. In all, you will have 240 minutes to finish the test
  • 150 minutes will be allocated to answering 80 general questions and 90 minutes will be allocated to answering 50 state-specific questions. For further information, please consult the PSI candidate test information page. When it comes to preparing for your Kentucky real estate test, The CE Shop also offers thorough Exam Prep that is specialized to the state of Kentucky.

Complete the application.

  • To submit an application for a Kentucky real estate license with the Kentucky Department of Professional Licensing, please visit this page.

Acquire Errors and Omissions (E O) insurance.

  1. Last but not least, you must have an Errors and Omissions insurance coverage in place before you can receive an active broker’s certificate. More information may be found by clicking here.


Get Your License Online

The online platform, self-paced courses, and high levels of student satisfaction are just a few of the factors that distinguish The CE Shop as the finest in real estate education. Take the first step toward a successful real estate career right now! GET YOUR LICENSE »

Pre Licensing

TO OBTAIN A KENTUCKY REAL ESTATE LICENSE, YOU MUST MEET THESE REQUIREMENTS. You must be at least 18 years old. Have completed high school diploma or GED requirements Before taking the real estate examination, I completed all of the required real estate pre-license classes. Either a ninety-six (96) hour real estate program from a KREC recognized institution or the completion of six (6) credit hours in real estate courses from an authorized college will suffice. Complete the FBI’s criminal background investigation.

  1. A prestigious ninety-six (96) hour online curriculum is offered by the Kentucky REALTOR® Institute (KRI), which has been recognized by the Kentucky Real Estate Commission (KREC).
  2. Part A of the course covers general real estate fundamentals and is presented on a mobile-friendly website.
  3. Part B of the program requires students to complete a scenario-based project before completing the program by passing an online proctored course final exam, which is required by Kentucky licensing regulations.
  4. Once the proctored final test is successfully completed, the Kentucky REALTOR ®Institute will provide a certificate of completion, which will allow the student to schedule the Professional Standards Institute licensure exam.
  5. There is a strict time limit on how long the program can take to finish in its entirety.
  6. If you want a short extension, this can be arranged for an extra cost.
  7. When you enroll as a student at the Kentucky REALTOR ®Institute, you will have access to instructor support, technical help, and program support.

The ala carte option must still be purchased during the one (1) year enrollment period, even if Part A and Part B are paid separately.

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They are both housed on two (2) separate platforms, which are described below.

Once the course(s) or package(s) has been added to your shopping cart, you will need to establish an account and submit your order.

You will be enrolled as a student with KRI within 1-2 business days of submitting your application.

Upon enrolling for any of the courses listed in the Package Pricing link below, you recognize and agree to the terms and conditions described in KRI’s Policies and Procedures, and you indicate that you have read and understood theFAQ’S (Frequently Asked Questions).

According to Kentucky law, students are not permitted to complete more than nine hours of study every day. It is the student’s obligation to keep account of the hours they have worked. If you have any questions, please contact KRI.

1Part A: Modern Real Estate Practices (60 hours online)

Demonstration of the Demo It takes 60 credit hours to complete this section of the curriculum, which covers broad real estate ideas and fundamental concepts. In this course, you will learn about the following topics: home ownership concepts, real estate agency and brokerage, listing agreements and buyer representation, real estate liens and financing practices, lease arrangements, appraisals, land use issues and environmental issues, investments, ANSI, contract law, and other topics related to real estate practice.

2Part B: Kentucky License Law (36 hours online)

This section of the program includes the licensing laws, regulations, and legislation that apply in the state of Kentucky. In this course, you will learn about the Kentucky Real Estate Commission Rules, Ethics, Disciplinary Actions/Complaints (including RESPA), Disclosures (including RESPA), Agency (including duties to clients), Fair Housing (including contracts and offers), Advertising (including marketing), Loans (including taxes), and other topics related to practicing real estate in Kentucky.

  • It is divided into two sections: one for the buyer and one for the vendor.
  • Following the completion of the forms, you will be required to participate in an online quiz.
  • Once all of the processes listed above have been completed, the course final exam will be scheduled using our online proctoring service.
  • According to Kentucky licensing legislation, students have a total of three (3) opportunities to pass the course final test.
  • A completion certificate and an email with instructions on how to complete the background check (including fingerprints) and schedule the licensing exam with PSI will be sent to the student if he or she passes the final exam satisfactorily.

“This course provided me with a solid foundation for passing my license exam. My initial try resulted in a pass. I am quite pleased with my whole experience and appreciate everything that was offered as part of the training. To proceed, the selling pedal must be pressed to the metal.” – Dave Rowton from Paducah, Kentucky “Taking the Real Estate courses and passing the test was a simple process. Thank you for all of your efforts.” – Nathan Peel from Lexington, Kentucky. “KRI is where I received my real estate training.

Thank you so much for being so encouraging and supportive!

Being that this was my first time taking an online course, I was a little concerned about my ability to execute and recall the self-taught content.

Nicole and the rest of the KAR team were really helpful in answering any concerns I had and guiding me through the program.

I would not hesitate to take another online course with them in the future, and I would recommend Kentucky Real Estate Institute to anybody who is interested in taking a real estate course.” The writer, Jonathan Ervin, of Auburn, Kentucky To read more of our reviews, please visit this page.

Kentucky State Requirements: Salesperson

Pre-licensing hours required by the state of Kentucky are 96 hours. 96 hours of Real Estate Express Kentucky course instruction are available. APPLY RIGHT NOW! To get a Kentucky real estate license, you must first meet the standards specified on theKentucky Real Estate Commission’s website:

  • To qualify, you must be at least 18 years old and possess a high school certificate or GED.

Step 2.Complete the authorized 96-hour Kentucky real estate pre-license course or earn 6 credit hours in real estate courses from an accredited institution or university in the state of Kentucky. Step 3: Submit to and pass an FBI criminal background investigation. The fourth step is to pass the real estate license examination with a minimum score of 75%. Step 5: Submit your application for a Kentucky real estate license. Step 6.Complete the 48 hours of post-licensing courses that are necessary.

How long does it take to get a Kentucky real estate license?

Getting a Kentucky real estate license takes a different amount of time for each individual depending on how quickly they finish the 96 hours of pre-licensing training. Real Estate Express’ online platform enables you to finish your homework as soon as you desire while still meeting the maximum daily seat time requirements set out by the school district. In addition, you should expect your background check to take 12-16 weeks to complete.

What kind of information will I learn to help me get a real estate license in Kentucky?

The Kentucky Real Estate Commission has authorized all of the Real Estate Express courses that are offered. The Kentucky Real Estate License Exam will be administered once you have finished your coursework. According to Real Estate Express policy, salespersons must complete the 96-hour pre-license curriculum within six (6) months of the commencement date of the program. In distance education courses, the start date is the day on which the course materials are first accessible, and the finish date is the date on which all needed documentation is presented to the provider.

The online proctor will need to be scheduled in advance, so make sure you do so ahead of time.

Following successful completion of the final course test, you will be required to sign an affidavit confirming your identification as the student who successfully finished the course and the final course examination.

How do I take the Kentucky Salesperson licensing examination?

To be eligible to sit for the state licensure examination, candidates must first submit to a criminal background check. Both the general and state portions of the Kentucky Licensing Exam must be completed with a score of at least 75% in order to be eligible for certification. A student who fails the test the first time is given the opportunity to repeat it twice. In the event that a candidate passes one section of the Kentucky Salesperson test (national or state law) but fails the other portion, they may repeat the failed portion within four (4) months after completing the first portion.

Following successful completion of both components of the exam within the requisite 4-month time frame, a candidate will be provided with an application form at the testing location.

Your licensure test must be proctored by the state in order to be valid. Additional information on the proctoring process for the licensure exam may be found here.

How do I submit my Kentucky Salesperson application?

Your application for a Kentucky real estate license must be filed to the Kentucky Real Estate Commission within sixty (60) days of completing your real estate test. After 60 days, the entire exam is null and worthless, and it must be retaken from the beginning.

Does Kentucky require post-licensing education?

In order to maintain their license, a licensed salesperson must complete 48 hours of post-licensing training within two years after acquiring their license. The 48 hours of post-licensing courses are divided into 32 hours of required instruction and 16 hours of elective instruction. Enroll in Real Estate Express’ Kentucky 48-hour post-licensing course as soon as possible! VIEW EDUCATION AFTER OBTAINING A LICENSE

Does Kentucky offer reciprocity?

At this time, the only state with which Kentucky has an agreement is Ohio. Real estate professionals in Ohio who seek to earn a Kentucky real estate license should follow these steps:

  • In order to be considered, you must have had a current Ohio salesperson license for at least one (1) year prior to the time of application. His/her Kentucky broker license must be affiliated with a main broker who also possesses a Kentucky broker license. Prior to scheduling the reciprocal licensing exam, you must finish the 40-hour reciprocal license law course and submit fingerprints for a national criminal records check.

Upon being licensed in Kentucky, the licensee is responsible for complying with all state licensing standards, which include completing 48 hours of post-license education courses within the first two (2) years of receiving their license.

Regulatory Notes:

Online QE hours are not limited in terms of the amount of hours that can be completed in one sitting. Studying for more than 9 hours per day is not acceptable for academic credit; as a result, the proctored final exam will not be available until the 11th day after a student begins the course. Students must complete and turn in a Course Practicum to their teacher before they will be permitted to access the proctored course final exam, which will be held on campus. The course includes instructions for completing this Practicum, as well as a list of resources.

It is possible that you may be required to submit your certificate of completion together with your license request; please refer to your licensing application to see if this will be required.

Telephone (502) 564-7760 Fax (502) 564-1538 Toll Free (888-373-3300 Address: 500 Mero Street, 2NE09, Frankfort, KY 40601 Phone (502) 564-7760 Fax (502) 564-1538 Toll Free (888-373-3300 Enroll in the Kentucky License Fee Schedule TODAY!

How to Get a Kentucky Real Estate License

Table of Contents +Table of Contents – Table of Contents Obtaining your Kentucky Real Estate License is the first step in becoming a licensed real estate agent in the state of Kentucky. In today’s world, you may complete this process practically entirely online. However, you will still need to appear in person for your licensure exam, but the rest of the procedure may be performed completely online!

This article walks you through the steps necessary to obtain your Kentucky Real Estate License in an easy-to-understand, step-by-step way. What you’ll discover includes how much it will cost, how long it will take, what will be on the exam, and a variety of other details.

How to Become a Real Estate Agent in Kentucky

Making the transition from student to licensed real estate agent in Kentucky is as simple as receiving your license, finding a broker sponsor, and starting to work selling real estate! As long as you meet the standards listed below, you will be well on your way to achieving your objective.

Kentucky Real Estate License Requirements

The following are the qualifications for becoming a real estate agent in Kentucky:

  • A citizen of the United States or an immigrant lawfully admitted to the country is required
  • You must be at least 18 years old. A high school diploma or a general education development certificate (GED) is required.

How to Get Your Kentucky Real Estate License

To begin, you must successfully finish a 96-hour pre-licensing course that has been authorized. The majority of people opt to complete their pre-license education course online. The majority of online courses are self-paced, and they provide study tools such as real estate sample examinations and flashcards, among other resources. Some courses even include a “guarantee” that you will pass the test on your first try if you finish the course requirements in full. All of these advantages are contingent on the education provider and package you select, so be sure to enroll in the course that best meets your goals and requirements.

Recommended Course

StateRequirement suggests the following courses and study materials for real estate license exams: The CE Shop is a place where you may get whatever you need for your computer. A proctor is required to monitor the final pre-license exam in Kentucky, making it one of the few states that requires this practice. This is not the same thing as the state test in any way. You will take this exam, which will be issued by your pre-license education firm, to demonstrate that you have finished and retained the content from your pre-license education course.

You are permitted to use a basic-function calculator and scratch paper, but you are not permitted to use a cell phone or access the internet from outside the building.

Make sure to ask if a proctor is included in the price of your real estate pre-license course when you are ordering your education package.

Step 2. Fingerprinting and Background Check

Upon successful completion of the requisite pre-licensing courses, you will be required to submit your fingerprints and undergo a background check. The Kentucky Real Estate Commission mandates that all candidates undergo a background check before they may be licensed as a real estate agent in the state of Kentucky. To begin this procedure, you must first visit your local law enforcement office and have your fingerprints collected. Obtaining your fingerprints at a police station or sheriff’s office is highly suggested as a precaution.

After you have had your fingerprints taken, you can request or obtain an FBI report at this time. All national criminal history checks are valid for 90 days from the date of issue of the report. In order to receive a national criminal history check, you can choose between two options:

  • If you go via the FBI, it will cost you $18 and take approximately one week to process (the results will be delivered to you). Through the Kentucky State Police, which costs $33.35 and has a processing period of 1-2 weeks on average (the report is mailed to KREC)

The background check procedure will begin as soon as your fingerprints are completed and turned in. The Kentucky Real Estate Commission will analyze any results in your background report to determine whether or not you are eligible to sell real estate in the state. During this process, they may contact you to ask for further information or paperwork to help them clear up any issues that have been discovered. Criminal convictions or judgements against you may preclude you from being eligible for a real estate license in Kentucky, so be aware of this potential.


If you are unsure whether or not you are qualified for a real estate license based on your previous experience, see our article on Real Estate License Eligibility for more information.

Step 3. Kentucky Real Estate License Exam

As soon as you’ve finished your pre-license coursework, you’ll be eligible to sit for the Kentucky Real Estate Examination. To sit for the exam, you must pay a cost of $100 each try. Thirty-one questions make up the Kentucky Real Estate Examination. Eighty of these will be allocated to the National section and fifty to the State section You will have a total of 240 minutes (4 hours) to finish the test in its entirety. Each portion has a time limit of 150 minutes (2.5 hours), and each section has a time limit of 90 minutes (1.5 hours) (1.5 hours).

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You will get a scoring sheet immediately following the completion of the exam, which will indicate whether you passed or failed.

If you wish to repeat the test, you may use this as a guide to help you prepare for it.

How Hard is the Kentucky Real Estate Exam?

It is estimated that 75% of those who take the Kentucky Real Estate Salesperson Exam pass. This test has been designed to be challenging, but not impossible to pass. Make sure to pay close attention during your pre-license training and to treat your learning as a serious endeavor. We are confident that you will pass your exam on your first try if you put out the necessary effort. On the PSI Kentucky Real Estate page, you may register to take your test and learn more about it. The Candidate Handbook and the Content Outline are both available on this page, as well as some other materials that may be of use.

This comprehensive book serves as an excellent companion to your pre-license training, ensuring that you pass on your first try.

Step 4. Real Estate License Application

The final step in obtaining a Kentucky real estate license is to finish the licensing application process. The application fee for this application is $130 USD. This report/license application will include a list of all materials that must be submitted to the Commission in order for it to provide a certificate of completion. The application must be sent to the Kentucky Real Estate Commission’s office along with a check or money order for the proper amount. The application will be handled after all of the relevant documents has been received and verified.

If you pass both sections of the exam, you will get an email from the Kentucky Real Estate Commission within 36 to 48 hours of finishing the exam.

Make sure to read the email carefully before clicking on the link and following the on-screen instructions. You will be requested to pay the relevant fees at the conclusion of the application using a credit/debit card or an ACH transfer (electronic check).

Step 5. Obtain Errors and Omissions Insurance

For their own protection, all Kentucky real estate licensees must get Errors and Omissions Insurance to ensure that their license is in good standing. Rice Insurance Services Company, LLC (RISC) was selected by the Kentucky Real Estate Commission to supply the state group E O insurance coverage for real estate licensees. The insurance provider is Continental Casualty Company, which is a subsidiary of the CNA Insurance Group. The program surpasses state regulations and gives the needed limits of $100,000 per claim, up to $1,000,000 aggregate, per licensee, with no deductible for damages or claim fees.

All of this comes at a cost of $126 per licensee per year for the 2019 policy or just $106 per licensee per year for the 2020 policy.

As verification of E O coverage, licensees who have private carrier policies must submit the Private Carrier Certification of Coverage (Form 203) as well as the Certificate of Liability Insurance (Form 203) to the Kansas Railroad Commission.

In addition to the paperwork, a $10 E O processing fee per licensee is required to be sent with it.

Step 6. Application Review

The only thing left for you to do after passing your exam is wait for your background report to come back with a passing grade. This procedure should take around 1-2 weeks in the majority of situations. Following this, you should get an email from KREC with a copy of your licensing paperwork attached. In the meantime, if you have any questions, you should call KREC at (502) 564-7760.


Don’t forget to take some time to recognize and appreciate your achievements. Your hard work and dedication have earned you a well-deserved celebration!

Kentucky Post-Licensing Education

New sales associate licensees are required to complete 48 hours of post-licensing education (PLE) courses within two years of earning and activating their real estate license. The following course content must be included in the thirty-two hours of the PLE:

  • 3 hours of Commission Compliance training
  • 6 hours of Agency
  • 6 hours of Contracts
  • 3 hours of Finance
  • 3 hours of Advertising
  • 3 hours of Disclosure
  • 3 hours of Fair Housing
  • 3 hours of Fair Housing training 3 hours of Technology and Data Sharing
  • 2 hours of Risk Management
  • 3 hours of Business Analysis

It is possible to make up the remaining sixteen hours using elective course content.


There’s a potential that your pre-license education package included these post-license courses as part of the package, so double-check before purchasing another course. For access to these courses, please see StateRequirement’s recommended post-license education provider for further information.

Kentucky Real Estate License FAQ

All Kentucky fees are as follows: $405 Pre-licensing education in real estate (estimated cost): $439-$705. The overall projected cost of obtaining a KentuckyReal Estate license is from $845 and $1,110.

How Long Does it Take to Get a Kentucky Insurance License?

Pre-licensing education and test preparation are the two phases that require the most time while obtaining your license, and they are also the most time-consuming. The average length of time it takes for people to complete a project is between 3 and 6 months from start to end.

If you devote a full-time schedule to this procedure and work diligently, you may be able to accomplish it in as little as two months. We don’t advocate going much faster than this since it is unsafe. Take your time to study and prepare for the exam. It will be worth it.

How to Get a Kentucky Commercial Real Estate License

In order to sell commercial real estate in Kentucky, you only need a regular Salesperson or Broker license, which may be obtained online. There is no “business real estate license” in the traditional sense. If you want to pursue a career in real estate sales, especially commercial real estate, choose a broker that specializes in the sorts of transactions that you want to be a part of.

Are There any Real Estate Jobs Open Around Me?

To see available real estate opportunities in your region, visit StateRequirement Jobs.

KREC – Kentucky Real Estate Commission

Kentucky Real Estate Commission 500 Mero Street 2NE09 Frankfort, KY 40601 Mailing Address: Kentucky Real Estate Commission 500 Mero Street 2NE09 Frankfort, KY 40601 Toll-free number: (502) 564-7760 Website: The information on this page has been compiled from a variety of sources, with the most recent update being made in December of this year. Neither the accuracy nor the timeliness of the information included on this site can be guaranteed nor assured. StateRequirement, its members, and affiliates are not liable for any damages, whether monetary or non-monetary in character.

For further information, please contact the insurance regulatory body in your state.

Read on to find out more

How to Become a Real Estate Agent in Kentucky

Before you can begin your real estate career in Kentucky, you must complete 96 hours of prelicensing instruction certified by the Kentucky Real Estate Commission (KREC), submit fingerprints for a background check, pass the exam, and choose a sponsoring brokerage. However, the procedure is less complicated than it appears. Gather around the table with a bucket of Dirty Bird and a side of Betty and join us as we go over the procedures to becoming a real estate agent in the Commonwealth of Kentucky.

1. Meet the State’s Legal Requirements

All applicants for the position of real estate agent in the state of Kentucky must be at least 18 years old, have a high school diploma or GED, and be a lawfully admitted immigrant or a citizen of the United States.

Did you know?

To be successful if you want to work in states other than Kentucky, you must be familiar with the reciprocity and portability rules that apply in that state. Kentucky only has reciprocity agreements with Ohio, but if you have held an Ohio license for at least a year, you can complete 40 hours of reciprocal license law education, submit fingerprints, and take the reciprocal license exam to obtain your Kentucky license. Kentucky does not have reciprocity agreements with any other states. In addition, Kentucky is a turf state in terms of mobility and accessibility.

Customers in a turf state have no other alternative other than to be referred by an agent who is also licensed in the turf state. For additional information about real estate license portability in Kentucky, please see our guide to real estate license reciprocity and portability in Kentucky.

2. Complete Required Prelicensing Courses

Providing you fulfill the legal requirements of your state, you can begin your prelicensing instruction. A Kentucky recognized real estate school, which charges between $349 and $679 for courses done in person or online, is the best option for those interested in learning the trade. These are the subjects that will be covered in the KREC-approved classes:

  • Property ownership, land use rules and laws, valuation and market analysis, financing, general principles of agency, property disclosures, contracts, leasing, and property management are all topics covered. Transfer of ownership
  • Real estate business practice
  • Real estate calculations
  • Real estate commissions
  • And other related terms. Prerequisites for obtaining a license
  • Activities and obligations relating to brokering
  • Contract law requirements for licenses
  • Property management
  • And other topics.

Did you know?

If you have six academic credit hours in real estate courses from an authorized college or university, you can utilize those hours to satisfy the 96 hours of prelicensing study required by the state of California. There are a large number of approved real estate colleges from which to pick to finish your 96 hours of training. With livestream or self-paced online real estate courses available, Kaplan can be an excellent solution for those looking to start their real estate careers from the comfort of their own homes.

3. Complete FingerprintsBackground Check

Before taking the real estate licensing exam and submitting your application documents, it is critical that you get your fingerprints taken after finishing your real estate education course work. The following are the two alternatives for obtaining your fingerprints in order to receive your criminal history check:

  • Option 1 – FBI: You can submit your fingerprints after completing the application information form and providing your fingerprints. Signatures can be captured at a nearby US Post Office using the Standard Fingerprint Form and submitted in together with your email confirmation form to complete the application process. Payment for the $18 fee can be done on the website using a credit card, PayPal, or Amazon straight through the website. The processing period is around one week. Option 2 – Kentucky State Police: You may arrange a fingerprint appointment with the Kentucky State Police using IndentoGo, which will allow you to be fingerprinted by the Kentucky State Police. Make an appointment by selecting “Schedule or Manage Appointment” and entering the KREC Service Code 27GJR5 in the appropriate field. It is possible to make a payment of $51.25 immediately on the website using a credit or debit card.

4. Take the Exam

Passing your exam comes after you have completed your prelicensing coursework and fingerprinting requirements. The pass percentage for the Kentucky real estate test is around 50%, which is lower than the pass rate for most other states. If you require additional study time after completing your courses, you are urged to take the test. There is no time limit for taking the exam after finishing your courses. Due to the fact that the Kentucky real estate test is given on a computer, you will receive your results very quickly after completing it.

However, in the event that you fail either component of the exam, you can reschedule after 24 hours and repeat that portion as many times as you need within four months after your first attempt.

Exam Details

The Kentucky real estate examination is administered by PSI, a national provider of state licensing examinations in the real estate industry. Create an account on the PSI website before you can begin scheduling. This account will get you access to the scheduling portal when you have completed the registration process. Additionally, you will be given a copy of the Kentucky Candidate Information Bulletin, which has further exam information. There is a charge of $100 to take the exam, which may be paid online with a credit or debit card through the official website.

With it, you may get high-quality test preparation at a low cost, and if you do not pass the exam on the first try, you can get your money back. Visit Real Estate Exam Scholars for more information.

5. Pick a Company to Work For

A sponsoring brokerage firm with which to affiliate your license is required in order to maintain a current license in Kentucky. Check out our in-depth advice on how to choose the best real estate business to work for if you want to make your decision a little bit simpler. Despite the fact that Kentucky is home to several successful brokerages, the following list has the top five brokerages predicted to be successful in 2021. (Image courtesy of Real Trends2021)

Kentucky Cities With Highest Median Sales Price 2021

The higher the price at which properties sell, the greater the number of commission opportunities available. In order to get an idea of which communities are bringing in the most money in Kentucky, consider the following sales statistics fromTowncharts.combelow:

6. Acquire ErrorsOmissions Insurance

All licensed real estate agents in Kentucky are required to have errors and omissions insurance (E O), which is intended to protect real estate enterprises against mistakes that occur during the course of providing professional services. It is possible to acquire E O through the KREC or through a private firm. Rice Insurance Services Company, LLC, with which KREC has a close working relationship, provides reasonable solutions; nonetheless, it is important to check with your principle broker to ensure that their strict criteria for coverage are met.

7. Apply for Your License

The final step is to submit your real estate application once you’ve decided on the brokerage with whom you’d like to associate your license. Following your successful completion of the exam, you must submit an application for your license within 60 days. Following your successful completion of the exam, you will be provided with a paper application from the testing facility, which you may complete and submit to the KREC. Applicants can also submit their applications online; after passing the test, you will get an email [email protected] with a link to the online application form, which you should click on.

  • The sales associate prelicensing training certificate of completion. A copy of your high school diploma, GED, or college transcript is required. Evidence of the existence of mistakes and omissions insurance coverage
  • When applying for a real estate license in another jurisdiction, you must submit a license history certification for each jurisdiction in which you have been or are now licensed as a real estate agent
  • The licensing payments must be paid in full: $130 for an active license and $120 for an inactive license.
  • On paper applications, payment is accepted by check or money order
  • On electronic applications, payment is accepted by credit card. Payment for the online application can be done using a credit or debit card, as well as an electronic check (ACH).
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Having a criminal past does not automatically prevent an individual from purchasing real estate in Kentucky, as some believe. For the purpose of determining whether to award a license, the KREC analyzes each application on an individual basis, with particular attention paid to whether the applicant’s offense has a direct connection to his or her work as a real estate agent. A decision on whether or not to hold a hearing on the application will be made by the KREC once an investigation has been conducted into the offense.

8. Start Your Real Estate Career

Once you’ve learned everything you need to know about how to become a real estate agent in Kentucky, you’re ready to begin your real estate career. Check out ourTop 25 New Real Estate Agent Tips From the Prosor14 Real Estate Agent Tips for 2021for additional information on how to get your career started.

Real Estate – FAQs

Real Estate Licensing – FAQs “>What are the requirements to be eligible for the state exam?You Must:* Be at least 18 years of age.* Have high school education orequivalent.* Submit fingerprint card and records request to the FBI.* Complete a 96 hour state approved Salesperson License Course(equivalent to 6 credit hours)* Call the test center and schedule an appointment to take the state exam. *Pass the state exam with a score of 75.The exam consists of 120 multiple choice questions.(80 questions on the National section and 40 on the Kentucky License Law section). In addition to the questions used to compute your score, the examination may include five questions that are being “pretested� for use in future versions of the examination.The student is not graded on pretest questions.Residency isNOTa requirement.If an attorney has passed the bar and has taken the equivalent of 6 credit hours in Property 1 and Contract Law 1, then the attorney may not need to take additional coursework to sit for the sales associate’s exam.Is a criminal background check required?Yes.All persons taking the real estate exam shall submit to an FBI Identification Records Check prior to testing.The cost of the FBI Identification Records Check is about $35.Additional services may cost more.Your record must show that there have been no felony convictions at any time or any misdemeanors within the last five years.Persons with any felony conviction or certain misdemeanors should not enroll in classes or take the examination until the Kentucky Real Estate Commission has determined their eligibility for a license. Visit the Kentucky Real Estate Commission�sFBI Report web pagefor additional information on the criminal records check requirements.What is the cost of the state exam?The cost of the exam is currently $100. The fee must be paid at the time of reservation by credit card, debit card, voucher, or electronic check.Payment will not be accepted at the test center.What is the cost to retake the state exam?Same as the original cost.To re-take the state exam, call the test center and make an appointment.When and where is the State Exam given?The Kentucky Real Estate Examinations are administered by appointment only Monday through Saturday at 9:00 AM and 1:30 PM at the following locations: Beckley, WVCincinnati, OHDunbar, WVEvansville, IN Johnson City, TNKnoxville, TNLexington, KYLouisville, KYNashville, TN Typically, no examinations are given on federal holidays, or federal holiday weekends.Visit for the holiday schedule.How do I register for the State Exam?To register for the exam, call the test center at their toll free number, 1-800-274-5629, at least 4 business days prior to the date you would like to take the exam.Reservations may be made online by visiting the Promissor website at and making your reservation at least 4 business days in advance.How difficult is the state exam?Although A-Pass-Weikel does not quote passing percentages, we can say that we are the largest real estate school in Kentucky and that we also have the highest passing average.How long after taking the exam will I be notified of passing?Official results are given within minutes of completing the examination.What is the license renewal period?Your license can be maintained for life provided it is properly renewed.This must be done by March 31st of every year.Are there continuing education requirements?Each active licensed agent must complete 6 clock hours of continuing education per year except that a sales associate does not have to complete continuing education the first calendar year of licensure.What is the cost to renew my license?As to present law, original and renewal licenses cost an amount not to exceed $30.00 per year.Each agent will also pay a recovery fund fee in an amount not to exceed $30.00 per year.Active agents must also carry errors and omissions insurance which is available through the Kentucky Real Estate Commission.The cost of the insurance through the KREC cannot exceed $200.00 per year.Is there an active and inactive status?Yes.Active means that the license has been placed with a principal broker.Inactive means that the license is properly registered with the state,not with a principal broker.Only active licensees can earn fees.Are there jobs available?Yes.Brokers are often looking fornewly licensed individuals.You will typically work as an independent contractor. Full-time positions are readily available and part-time is common.

How To Get Your Kentucky Real Estate License

The Approved Course is financed by its readers. If you make a purchase after clicking on one of our affiliate links, we may receive a small commission. A real estate license in Kentucky is required before you can begin working as a real estate agent in the state. If you are willing to put in the effort, obtaining a real estate license in Kentucky is not a tough procedure. The procedure begins with you enrolling in a Kentucky real estate course after paying the necessary fees and then putting in the necessary effort to pass the requisite examinations.

Let’s take a look at what is required of you in order to obtain a Kentucky real estate license, as well as the advantages of holding a real estate license. If you complete the following qualifications, the Kentucky Real Estate Commission will issue you a license to practice as a real estate agent:

  1. Possessing a GED or a high school diploma and being at least 18 years old is required. Complete 96 hours of Kentucky real estate training from a Kentucky real estate school that has been approved. This can be accomplished in the following ways:
  • Completion of 6 credit hours from an accredited college or university, or completion of 96 hours from a recognized proprietary institution

As soon as you have completed the Kentucky real estate course, you should acquire your transcripts or evidence of completion, which you will need when applying for your license. Pass a criminal background check, which is performed by the Federal Bureau of Investigation. Locate a testing facility. The majority of states contract with a third party to serve as a testing facility. Those who administer and score the examinations are chosen by the state from among a pool of applicants. Occasionally, the state alters its budget, which may necessitate a change in the supplier of the testing services.

  • Find out how the exam will be conducted and evaluated, as well as whether or not there will be any simulated examinations available at the testing center. Register at the testing location and set a date for the examination
  • You may be needed to sign an affidavit stating that you are eligible to take the exam. You must pass both the state and national components of the test
  • Else, your application will be rejected. Find out if you’ll be required to bring an identity document with you on exam day.

Take the Kentucky real estate licensing test and pass both the state and general portions with a score of at least 75% on the exam. Those who pass the state or national law sections of the Kentucky broker or Kentucky salesperson test but fail the other sections will be able to retake the failed component within four months of clearing the first section. You must repeat both components of the test four months after your first attempt. After passing both portions of the exam, you will get an application form at the exam site within four months, and you will have 60 days to submit your licensing application to the state board of nursing.

If you manage to get a score of 75 percent or above, you will be eligible to apply for your real estate license.

How long will it take for me to get a real estate license in Kentucky?

The amount of time it will take you to earn your license is determined by two things. One is the FBI criminal background check, which takes 12-16 weeks. The second is a credit check. The second aspect to consider is the type of learning you like. Choose the 96-hour plan and make advantage of the services of an online tutor to expedite the procedure. This will help you to accomplish the 96hours in a shorter amount of time since you will study at your own speed and tempo.

What is the cost of obtaining a real estate license in Kentucky?

There are certain costs that are fixed.

  • The FBI background check costs $32, the Kentucky Sales Associate Exam costs $100, and the application for a sales associate license is $60.

Costs that are subject to change

  • E OE insurance can cost as much as $126 per year for group insurance, depending on whether it is purchased independently or via a group.

Remember that the state might adjust its fees and taxes at any time.

What are the benefits of a real estate license in Kentucky?

Getting a real estate license has several advantages that cannot be denied. The time, money, and effort invested in the acquisition process will be repaid in the form of these rewards. When it comes to real estate investing, it is usual for investors to question if they actually need a real estate license. It is not required to be successful in real estate, but it has several advantages that will propel you to greater heights. Let us take a look at five advantages that an investor receives as a result of being a certified real estate agent.

Additional Income

If you are a first-time investor, you will almost certainly require any additional money. It is possible that you will not wish to pursue a career in real estate, but it can provide you with additional money.

Brokers may assist you with the sale of a property, which can result in additional money for you. You will also obtain an understanding of the complexities of real estate agents while making new contacts and learning more about the industry.

Access to Deals

The major motive for having a real estate license is to make a profit. Obtaining a license opens the door to opportunities that you would have never considered before. You are not need to wait for your realtor to tell you of such opportunities. You will be the first to hear about the bargains, rather than the other way around. Any new listing in the Kentucky real estate market will travel via you first, allowing you to make an offer as soon as it becomes available.

New Contacts

Being a realtor and an investor at the same time is a tricky balance to strike. Some consumers are wary about working with a realtor who is also a real estate investor because they believe they will be taken advantage of. Become a certified real estate agent will provide you with access to a large number of new connections, both at open houses and at networking events, which will be beneficial to you as an investor. Another advantage of working with a real estate agent is the ability to develop relationships with internal contacts at financial institutions who may offer you with information on properties held by the financial institutions.

A broker may provide you with legal education as well as instruction on how to negotiate contract terms.

However you look at it, acquiring a real estate license provides you with the potential to expand your professional network in several ways.

In order to maximize your return on investment, working in the correct office or establishing relationships with the right agents is essential.


The things you acquire in a Kentucky Real Estate School to obtain your license are not simply a means to an end; they are a route to a successful career. You will study about the following topics as part of your coursework:

  • Contracts, financing, general principles of agency, land use controls and regulations, leasing and property management, property disclosures, property ownership, and real estate calculations are all covered in this course. Real Estate as a Business Practice
  • Transfer of Title Transfer of Title
  • Valuation and Market Analysis
  • Transfer of Title

All of this knowledge will be beneficial to you in your endeavors as a real estate agent. The material will assist you in carrying out your responsibilities in accordance with state and federal real estate rules and regulations.


Another advantage of using a real estate agent is that you may save money on commissions on transactions that you do on your own. When you consummate a transaction as a realtor who also works as an agent, you stand to benefit even more. If you are a real estate agent and you obtain a property, you may flip it and sell it as a realtor to earn a 2.5 percent commission on the sale. After deducting taxes and your broker’s commission, you will still be in the position to profit from money that would otherwise have gone to someone else.

You should be aware that passing the real estate licensing exam will not be simple, but if you put out your best effort, you may be pleasantly pleased by the results.

The materials are available through online sites for a minimal cost, and they have assisted many people in achieving success on their first attempt at the PSI test (see Resources).

When you get into the exam room, make sure you are in the correct frame of mind and that you are certain that you will succeed.

Jordan Fabel

The various ‘paths’ that people’s life can take are covered in this section. You get the picture: imaginative, foster parent, ticket dismissal, etc. Examining the prerequisites, certifications, examinations, and, of course, authorized courses that are associated with each route. Personally, I am the high school dropout son of two teachers who raised me in the public education system. So, how did I come to this point? That tale will be released very soon!

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