Last updated: February 19, 2026. Built from Tennessee PSI and TREC fee schedules current in 2026.
Tennessee Affiliate Broker Fees in 2026: Fast Answer
If you are searching for Tennessee affiliate broker exam cost, start with these official posted numbers:
- PSI combined exam fee: $63 ($37 national + $26 state)
- TREC initial individual application fee: $91
- TREC renewal fee: $75
Your full out-of-pocket total is higher once prelicense education, fingerprints/background processing, E&O insurance, and any retakes are included.
Official Fee Table (PSI + TREC)
| Fee Item | 2026 Posted Amount | Source Type |
|---|---|---|
| Affiliate Broker exam (national + state) | $63 | Tennessee PSI exam page and candidate bulletin |
| National-only exam fee | $37 | PSI exam table |
| State-only exam fee | $26 | PSI exam table |
| Initial individual license application | $91 | TREC fee schedule |
| Biennial renewal fee | $75 | TREC fee schedule |
| Late renewal (first 120 days) | $50 per month | TREC fee schedule |
| Late renewal (121-365 days) | $100 per month | TREC fee schedule |
Full Cost Stack: What Most Candidates Actually Pay
| Cost Category | Typical Range | Why It Varies |
|---|---|---|
| 90-hour prelicense education | $300-$900 | School/provider and package depth |
| PSI exam registration | $63 baseline | Single-attempt combined path |
| Initial TREC application | $91 | Posted fixed state fee |
| Fingerprinting/background processing | Variable | Vendor and processing factors |
| E&O insurance | Variable | Carrier and coverage terms |
| Retake exams | $26-$63 per cycle | Depends on failed section(s) |
Total Cost Scenarios (Useful Planning Model)
Scenario A: Lean Path (Best-Case)
- Lower-cost school package
- Pass both sections on first attempt
- Minimal extras
Estimated total: about $500-$850 plus variable fingerprint/E&O costs
Scenario B: Typical Path (Most Candidates)
- Mid-tier school
- One section retake
- Standard onboarding expenses
Estimated total: about $800-$1,300 plus variable fingerprint/E&O costs
Scenario C: Safety-First Path
- Premium education bundle
- Multiple full-length prep tools
- Buffer for one or two retakes
Estimated total: about $1,200-$1,900+
Retake Cost Math (2026)
PSI Tennessee policy allows section-specific retesting. That means your retake bill depends on what you failed.
| Outcome | Retake Type | Typical Added Cost |
|---|---|---|
| Fail only national | National section retake | +$37 per attempt |
| Fail only state | State section retake | +$26 per attempt |
| Fail both and restart | Combined retest path | +$63 per attempt |
Retake Timing Rule That Impacts Cost
- After your first failure, next-day rescheduling is typically allowed
- After failing the same portion twice, a 30-day wait applies
A long wait often creates hidden cost through lost momentum, extra course extensions, and repeated scheduling fees.
Timeline by Cost Stage
| Stage | Typical Timing | Main Spend |
|---|---|---|
| Education start | Week 1 | Course tuition |
| Exam scheduling | Week 2-8 | PSI exam fee |
| Application filing | After passing | TREC initial fee |
| Activation and launch | Immediately after approval | E&O and business setup |
| Renewal cycle | Every 2 years | Renewal fee + CE costs |
Hidden Fees People Miss
- Fingerprint/background expenses (not always quoted in headline ads)
- Extra practice tools bought late because initial prep was weak
- Course extension fees after study delays
- Transportation or remote-proctor tech setup costs
- Late-renewal monthly penalties if CE and filing slip past expiration
Late Renewal Penalty Impact (Tennessee)
If you miss renewal deadlines, Tennessee fee schedules escalate monthly:
- First 120 days late: $50 per month
- Days 121-365 late: $100 per month
Even a short delay can cost more than an extra exam attempt. Renewal discipline is one of the easiest cost controls.
Cost-Control Strategy That Works
- Choose a solid prelicense provider once; avoid switching midstream.
- Use timed practice to reduce retake risk.
- Keep a one-page budget tracker with all required milestones.
- Submit application promptly after passing to avoid repeat document costs.
- Calendar renewal and CE early so monthly penalties never start.
Free Next Step
Before you book PSI, benchmark your readiness with free timed questions: