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Ky-Re-Contracts-Closing35 questions
Property-Ownership29 questions
Ky-Re-Licensing28 questions
Ky-Re-Agency-Disclosures27 questions
Ky-Re-Discipline-Consumer-Protection23 questions
Financing20 questions
Fair-Housing19 questions
Valuation18 questions
Contracts1 questions
2026 Statistics

Key Facts: KY Real Estate Exam

130 Q

Exam Length

PSI KY candidate bulletin

80 + 50

National + State Split

PSI KY candidate bulletin

75%

Passing Score (Each Section)

KREC

96 hrs

Pre-License Education

KREC licensing requirements

$100

Exam Fee

PSI KY fee schedule

48 hrs/2yr

Post-License Requirement

KREC

Kentucky requires 96 clock hours of pre-license education and passage of the PSI exam (80 national + 50 state questions, 130 total scored). Both sections require 75% to pass. Kentucky uses 'sales associate' and 'principal broker' terminology. Key Kentucky-specific topics include the KREC structure, KRS 324 licensing requirements, dual agency with written consent (KRS 324.121), 3-business-day earnest money deposit rule, Recovery Fund ($50K per claim), and post-license requirement (48 hours within 2 years).

About the KY Real Estate Exam

The Kentucky real estate sales associate exam covers national real estate fundamentals plus Kentucky-specific topics including KREC licensing regulations under KRS 324, brokerage relationship types (seller's agent, buyer's agent, dual agent, transaction broker), agency disclosure requirements, trust account management, and Kentucky-specific law including KRS 383 landlord-tenant rules and Kentucky property transfer tax.

Questions

130 scored questions

Time Limit

4 hours total

Passing Score

75% on each section

Exam Fee

$100 (Kentucky Real Estate Commission (KREC) / PSI)

KY Real Estate Exam Content Outline

30%

Kentucky License Law (KRS 324)

KREC structure and powers, 96-hr pre-license, sales associate vs principal broker, license activation, 60-day application window, 48-hr post-license, 6-hr annual CE, Recovery Fund, exemptions

28%

Kentucky Agency & Disclosures

KRS 324.121 brokerage relationships, seller's agent, buyer's agent, dual agency (written consent required), transaction broker, caveat emptor, stigmatized property non-disclosure

22%

Contracts, Closing & Escrow

Earnest money deposit (3 business days, KRS 324.111), elements of valid contracts, statute of frauds, listing agreement types, closing procedures, Kentucky transfer tax ($0.50/$500)

20%

Discipline, Property & Fair Housing

KREC disciplinary process (KRS 324.160), fines up to $5,000, trust account violations, advertising rules, KRS 383 landlord-tenant, security deposits, fair housing, property taxation

How to Pass the KY Real Estate Exam

What You Need to Know

  • Passing score: 75% on each section
  • Exam length: 130 questions
  • Time limit: 4 hours total
  • Exam fee: $100

Keys to Passing

  • Complete 500+ practice questions
  • Score 80%+ consistently before scheduling
  • Focus on highest-weighted sections
  • Use our AI tutor for tough concepts

KY Real Estate Study Tips from Top Performers

1Master Kentucky terminology: 'sales associate' (not salesperson) and 'principal broker' (not designated broker) — these will appear on the state exam
2Know the 3-business-day earnest money deposit rule under KRS 324.111 — a common exam topic
3Study KRS 324.121 brokerage relationships thoroughly: seller's agent, buyer's agent, dual agent (written consent), and transaction broker
4Remember Kentucky's Recovery Fund caps: $50,000 maximum per claim, $150,000 total lifetime per licensee
5Know the KREC disciplinary process: fines up to $5,000 per violation, license suspension, revocation, and reprimand are available sanctions
6Kentucky transfer tax: $0.50 per $500 (or fraction thereof) — round UP fractions of $500 when calculating

Frequently Asked Questions

How many questions are on the Kentucky real estate sales associate exam?

The Kentucky exam has 130 scored questions: 80 on the national portion and 50 on the Kentucky state-specific portion. PSI may also include 5–10 unscored experimental items. You must pass each section at 75% — scoring at least 60/80 on the national portion and 38/50 on the state portion. The exam is 4 hours total (150 min national + 90 min state).

What education is required for a Kentucky real estate license?

Kentucky requires 96 clock hours of pre-license education approved by the Kentucky Real Estate Commission (KREC). The 96 hours cover both general real estate principles (60 hours) and Kentucky license law (36 hours). You must also complete an FBI fingerprint background check and apply for licensure within 60 days of passing the PSI exam.

What is the post-license requirement in Kentucky?

After receiving your initial Kentucky sales associate license, you must complete 48 hours of KREC-approved post-license education within 2 years. The post-license curriculum includes mandatory hours in agency, contracts, finance, advertising, fair housing, and other topics. Failure to complete these hours within the 2-year window can result in license expiration.

How does Kentucky handle dual agency?

Dual agency is permitted in Kentucky under KRS 324.121, but only with the written informed consent of all parties involved. A principal broker may designate separate sales associates to represent the buyer and seller in the same transaction (designated agency), which avoids dual agency issues. Without written consent, a licensee may not represent both buyer and seller in the same transaction.

KY Real Estate Resources