Kentucky Real Estate Salesperson Exam — All Questions

To qualify for a Kentucky real estate sales associate license, an applicant must complete approved pre-license education of:

• a.150 hours
• b.96 hours (or the equivalent college credit)✓
• c.60 hours
• d.40 hours

Kentucky requires 96 classroom hours of approved real estate pre-license education (or the equivalent in qualifying college credit) before an applicant may become licensed. The applicant must also pass the licensing examination and be associated with a principal broker to activate the license.

Along with a passing exam score and the criminal history check, an applicant for an initial Kentucky sales associate license must submit proof of:

• a.One full year of Kentucky residency
• b.A baccalaureate degree in real estate
• c.High school graduation or its equivalent✓
• d.Sponsorship by a state trade association

An initial sales associate applicant must file proof of high school graduation or its equivalent, proof of six academic credit hours of prelicense education, a national criminal history check, proof of errors and omissions coverage if the license will be active, and the $60 original license fee plus the $60 recovery fund fee. Kentucky imposes no residency requirement, no college degree requirement, and no trade-association membership. Cite: 201 KAR 11:210, Section 1(2) (eff. 12-16-2019).

KRS 324.046 states Kentucky's prelicense education requirement for a sales associate as:

• a.Six academic credit hours, or the equivalent✓
• b.Twelve academic credit hours in real estate courses
• c.Twenty-one academic credit hours, twelve in real estate
• d.Ninety-six academic credit hours of instruction

The statute is written in academic credit hours, not clock hours: a sales associate applicant needs six. Because the commission defines one academic credit hour as sixteen fifty-minute classroom hours, six credit hours is commonly quoted as ninety-six classroom hours, but ninety-six credit hours is not the requirement. Twenty-one credit hours is the broker requirement. Cite: KRS 324.046(2) (eff. July 13, 2004); 201 KAR 11:011, Section 1(1).

For Kentucky real estate education, one 'academic credit hour' means one college semester hour or:

• a.Ten clock hours of classroom attendance
• b.Twenty-four fifty-minute classroom hours
• c.Eight hours of supervised independent study
• d.Sixteen fifty-minute classroom hours✓

The commission's definitions section fixes the conversion at one college semester hour, or sixteen fifty-minute hours of actual classroom attendance. This is the multiplier that turns the statute's six credit hours for a sales associate into the familiar ninety-six hours of prelicense class time. Cite: 201 KAR 11:011, Section 1(1) (eff. 12-16-2019).

A passing score on a required portion of the Kentucky real estate licensing examination stays valid for:

• a.Thirty days
• b.Sixty days✓
• c.Six months
• d.One year

The applicant has sixty days from the passing score to complete the license application; after that the score is stale and the portion must be retaken. Cite: 201 KAR 11:210, Section 4(1) (eff. 12-16-2019).

An applicant who fails a required portion of the Kentucky licensing examination three times must:

• a.Wait thirty calendar days before retesting✓
• b.Retake the six-hour prelicense curriculum
• c.Petition the commission for a fourth attempt
• d.Wait one year and reapply as a new candidate

After a third failure on any required portion the applicant must wait at least thirty calendar days from the date of that third failed examination before retaking it, or the score is void. No waiver petition and no repeat of prelicense education is required. Cite: 201 KAR 11:210, Section 4(2) (eff. 12-16-2019).

A Kentucky real estate renewal cycle runs from April 1 of one year to March 31:

• a.Of the following year
• b.Three calendar years later
• c.Five calendar years later
• d.Two calendar years later✓

Kentucky licenses expire biennially and are renewed through the licensee's online services portal on or before March 31. The commission's definitions section states the renewal cycle explicitly as April 1 through March 31 two calendar years thereafter. Cite: KRS 324.090(1) (eff. January 1, 2020); 201 KAR 11:011, Section 1(35); 201 KAR 11:210, Section 8(1).

Before applying for an initial Kentucky broker's license, an applicant must have worked as a sales associate averaging at least twenty hours a week for:

• a.Twelve months
• b.Twenty-four months✓
• c.Thirty-six months
• d.Sixty months

KRS 324.046(1)(b) requires twenty-four months in the real estate business as a sales associate at an average of at least twenty hours per week, proven by a notarized statement from the principal broker or other documentation the commission accepts. The applicant must also hold twenty-one academic credit hours. Cite: KRS 324.046(1) (eff. July 13, 2004).

The commission may cut a Kentucky broker applicant's two-year experience requirement to one year if the applicant holds an associate degree in real estate, or a baccalaureate degree with a real estate major or minor. That reduction is:

• a.Automatic on proof of the degree
• b.Available only to Kentucky residents
• c.Discretionary with the commission✓
• d.Barred unless the degree is under five years old

The statute says the commission 'may' reduce the experience requirement from two years to one for an applicant with an associate degree in real estate or a baccalaureate degree with a real estate major or minor. It is a discretionary reduction, not an entitlement, and the statute attaches no residency or degree-age condition. Cite: KRS 324.046(4) (eff. July 13, 2004).

A person issued an initial Kentucky sales associate license must complete commission-approved post-license education of:

• a.Forty-eight hours within two years✓
• b.Twenty-four hours within one year
• c.Sixty hours within three years
• d.Ninety-six hours within two years

Post-license education is forty-eight classroom or online hours, taken within two years of receiving or activating the license unless the commission extends the deadline for good cause. A license that misses the deadline is automatically canceled the following day. Cite: KRS 324.085(2) (eff. July 15, 2026); KRS 324.010(19); 201 KAR 11:210, Section 14(2).

Kentucky's continuing education requirement for an actively licensed agent is twelve hours per biennial license period, of which:

• a.Three hours must be in real estate law
• b.All twelve hours must be in real estate law
• c.Six hours must be in real estate law✓
• d.No hours are tied to a specific subject

Six of the twelve biennial hours must be in real estate law, and six of the twelve must be completed in the first year of the period or the license is automatically canceled. In practice the commission's regulation collects this as six hours a year, three of them law. Cite: KRS 324.085(1) (eff. July 15, 2026); 201 KAR 11:210, Section 11(1).

The minimum errors and omissions coverage a Kentucky licensee must carry is:

• a.$50,000 per claim and a $500,000 annual aggregate
• b.$300,000 per claim and a $1,000,000 annual aggregate
• c.$100,000 per claim and a $300,000 annual aggregate
• d.$100,000 per claim and a $1,000,000 annual aggregate✓

Errors and omissions coverage is mandatory for every licensee except one on inactive status, and the commission sets the floor at $100,000 for any one claim and a $1,000,000 annual aggregate, in both cases excluding the cost of investigation and defense. Deductibles may not exceed $2,500 for judgment or settlement. Cite: KRS 324.395(1) (eff. June 27, 2019); 201 KAR 11:220, Sections 1 and 3 (eff. 12-16-2019).

An individual holding an active real estate license in another United States jurisdiction who applies for a Kentucky license must:

• a.Pass every portion of the Kentucky examination
• b.Pass the state law portion of the examination✓
• c.Complete Kentucky's full prelicense curriculum
• d.Open a place of business inside Kentucky

Kentucky's reciprocal route requires the application forms, the state law portion of the licensing examination, and the remaining prelicense qualifications; the applicant must also furnish a certification of good standing from every jurisdiction where he or she has been licensed. A nonresident broker need not keep a Kentucky office if the reciprocity agreement excuses it. Cite: KRS 324.141(1)-(2) (eff. June 25, 2009); KRS 324.115(2).