How to Get a Real Estate License in 2026: A Complete Guide

A real estate license is the gateway to one of the most flexible, rewarding, and potentially lucrative careers in the United States. Whether you want to help families find their dream home, build a portfolio of investment properties, or simply gain control over your own schedule, a real estate license is where it all begins. But the process of getting licensed can feel confusing, especially because every state has its own requirements, fees, and timelines.

This guide breaks down the five main steps you need to follow to get your real estate license in 2026, no matter which state you plan to practice in. Along the way, we will reference specific state requirements so you can see exactly how the process differs depending on where you live.

Across the United States, pre-licensing education requirements range from 40 to 180 hours, and total estimated costs to get licensed range from roughly $80 to $749. That is a wide spread, and understanding your specific state's requirements early will save you time, money, and frustration.

Step 1: Research Your State's Licensing Requirements

The very first step in becoming a licensed real estate agent is understanding what your state requires. Real estate licensing is regulated at the state level, not the federal level. That means a license earned in Florida does not automatically allow you to practice in New York, and the education, exam, and fee requirements can vary dramatically from one state to the next.

Here is what you need to research before you begin:

• Pre-licensing education hours: The number of classroom or online hours you must complete before you can sit for the exam. This ranges from 40 hours in some states to 180 hours in others. For example, Texas requires 180 hours of pre-licensing education, making it one of the most demanding states. Meanwhile, Florida requires just 63 hours, and California requires 135 hours.
• Exam format and provider: Most states use a third-party exam provider such as PSI or Pearson VUE. The exam typically has two sections: a national portion covering general real estate principles and a state-specific portion covering local laws.
• Fees: Budget for education costs, exam fees, application fees, background check fees, and any other state-specific charges. We cover costs in detail in our complete cost breakdown.
• Age and education requirements: Most states require you to be at least 18 or 19 years old. Almost all require a high school diploma or GED. No state requires a college degree.
• Background check: Nearly every state requires a criminal background check, usually via fingerprinting. A criminal history does not automatically disqualify you in most states, but it will be reviewed.
• Reciprocity: If you already hold a license in another state, check whether your target state has reciprocity agreements. 30 states offer some form of reciprocity, which can significantly reduce the requirements for out-of-state licensees.

The best way to get accurate, up-to-date information is to check your state's real estate commission or licensing board website. We maintain detailed guides for every state, including Virginia, Georgia, Illinois, and Colorado. Each guide is sourced directly from official state licensing boards and verified for accuracy.

Step 2: Complete Your Pre-Licensing Education

Once you know your state's requirements, it is time to enroll in a pre-licensing education program. This is the most time-consuming step in the process, but also the most important. The coursework is designed to give you a foundational understanding of real estate law, contracts, financing, property valuation, and ethical practice.

How Many Hours Do You Need?

The required hours vary widely by state. Here are some examples to illustrate the range:

Choosing an Education Provider

You have three main options for completing your pre-licensing education:

1. Online self-paced courses: The most popular option for aspiring agents in 2026. Online courses let you study on your own schedule, often at a lower cost than classroom alternatives. Providers like Colibri Real Estate, The CE Shop, Kaplan, and AceableAgent are approved in multiple states. Expect to pay between $100 and $600 depending on the state and course package.
2. Classroom courses: Offered through real estate schools, community colleges, and brokerage training programs. Classroom courses can be beneficial if you prefer structured learning with an instructor. They tend to be more expensive ($300-$800) but offer the advantage of networking with future colleagues and asking questions in real time.
3. Hybrid programs: Some providers offer a mix of online coursework and in-person sessions. This can be a good middle ground if you want the flexibility of online learning but value some face-to-face instruction.

Regardless of the format you choose, make sure the provider is approved by your state's real estate commission. Taking a course from a non-approved provider means your hours will not count toward your license, and you will have to start over.

What Will You Learn?

While specific curricula vary by state, most pre-licensing courses cover the following core topics:

• Real property ownership and land use controls
• Agency relationships and fiduciary duties
• Real estate contracts and legal documents
• Real estate finance and mortgage lending
• Property valuation and market analysis
• Fair housing laws and anti-discrimination regulations
• State-specific real estate laws and regulations
• Transfer of title, deeds, and closing procedures
• Environmental regulations and disclosures
• Real estate math (prorations, commissions, loan calculations)

Pay special attention to the state-specific material, as this is where most exam candidates struggle. National real estate principles tend to be consistent across states, but state laws on agency, disclosures, and licensing procedures differ significantly.

Step 3: Pass the Real Estate Licensing Exam

After completing your pre-licensing education, you will need to pass your state's real estate licensing exam. This is the step that worries most aspiring agents, but with proper preparation, the exam is very manageable. National pass rates for first-time test takers generally fall between 50% and 75%, depending on the state and the quality of the candidate's preparation.

Exam Format

Most state licensing exams follow a similar two-part format:

• National portion: Covers general real estate principles, practices, and laws applicable in all states. Typically 80-100 multiple-choice questions with a time limit of 90-120 minutes. Passing scores generally range from 70% to 75%.
• State portion: Covers state-specific laws, rules, regulations, and practices. Typically 30-50 multiple-choice questions with a separate time limit. Passing scores vary but are usually 70% to 75%.

Most states use one of two major exam providers:

• PSI Services: Used by states including Virginia, Tennessee, Colorado, and Michigan.
• Pearson VUE: Used by states including Texas, California, Indiana, and Florida.

Exam fees typically range from $40 to $100 per attempt. If you fail one or both portions, you can retake the exam, though you will need to pay the exam fee again for each attempt. Most states allow unlimited retakes, though some require additional coursework after a certain number of failed attempts.

Exam Preparation Tips

Passing the real estate exam on your first attempt saves time and money. Here are proven strategies that successful candidates use:

1. Take practice exams: This is the single most effective study strategy. Most education providers include practice exams, and you can find additional ones from providers like PrepAgent, CompuCram, and Real Estate Exam Scholar. Aim to consistently score 80% or higher on practice tests before scheduling your real exam.
2. Focus on vocabulary: Real estate has its own language. Make sure you can define terms like fiduciary, escheat, easement, lien, encumbrance, promissory note, and deed of trust without hesitation.
3. Master real estate math: Math questions are often where candidates lose points. Practice calculating prorations, commissions, loan-to-value ratios, property tax assessments, and net operating income.
4. Study state-specific laws: The state portion has a lower question count but often has a higher passing score requirement. Do not neglect this section.
5. Schedule the exam promptly: Do not wait too long after finishing your coursework. The material is freshest right after you complete your education. Most successful candidates take the exam within one to two weeks of finishing their courses.

Step 4: Submit Your License Application

Once you pass the exam, you need to apply for your license through your state's real estate commission or regulatory agency. This step involves paperwork, fees, and a background check. Some states allow you to apply online, while others still require paper applications.

Application Components

While the specifics vary by state, your license application will generally require:

• Completed application form: Provided by your state's real estate commission. This includes personal information, education history, and disclosure of any criminal history or disciplinary actions.
• Proof of education: Your education provider will typically submit your course completion directly to the state or exam provider. Some states require you to submit a certificate or transcript yourself.
• Exam score report: Proof that you passed both portions of the licensing exam. This is usually submitted electronically by the exam provider.
• Background check and fingerprinting: Most states require a criminal background check through FBI and state databases. You will typically need to submit fingerprints through an approved vendor. In Virginia, for example, you can use PSI at the exam center ($52) or Fieldprint Virginia ($37.50). Costs for background checks generally range from $30 to $100.
• Application fee: This fee is paid directly to the state. Application fees vary widely: some states charge as little as $25, while others charge $200 or more.
• Sponsoring broker information: Most states require you to have a sponsoring broker before your license can be activated. Some states, like Virginia, will issue an inactive license if you do not have a broker at the time of application.

Processing Times

Application processing times depend on the state, the volume of applications, and whether your background check returns any flags. In many states, processing takes two to four weeks if there are no issues. If you have a criminal history that requires review, processing can take significantly longer, sometimes up to 60 days or more. States like Texas allow you to request a fitness determination before you invest in education, so you can find out early whether a criminal record might affect your eligibility.

Step 5: Find a Sponsoring Broker and Activate Your License

In every state, new real estate agents must work under the supervision of a licensed broker. You cannot practice real estate independently with a salesperson or associate license. Finding the right broker is one of the most important decisions you will make in your early career, and it deserves careful thought.

What to Look for in a Broker

Not all brokerages are created equal. Here are the key factors to evaluate:

• Training and mentorship: As a new agent, you need support. Look for brokerages that offer structured training programs, mentorship from experienced agents, and ongoing professional development. Some of the larger national brands like Keller Williams, RE/MAX, and Coldwell Banker are known for robust new-agent training programs.
• Commission structure: Brokerages use different commission split models. Traditional splits range from 50/50 to 80/20 (in your favor). Some brokerages offer 100% commission models with a flat monthly desk fee. Understand the full picture, including any franchise fees, technology fees, or transaction fees, before committing.
• Technology and tools: A modern brokerage should provide you with a CRM (customer relationship management) system, listing tools, marketing templates, and possibly lead generation support. Ask what tools are included and what you would need to pay for separately.
• Culture and reputation: Visit the office. Meet the agents. Ask about turnover rates and agent satisfaction. The right culture can make a huge difference in your first year, when you are building habits and developing confidence.
• Market focus: Some brokerages specialize in residential, some in commercial, and some focus on specific neighborhoods or price ranges. Make sure the brokerage's focus aligns with where you want to build your career.

Activating Your License

Once you select a broker, they will typically help you complete the necessary paperwork to activate your license. In most states, this involves the broker submitting a form to the state licensing board confirming that they are sponsoring your license. Once processed, you will receive your active license and can legally begin practicing real estate.

After You Get Licensed: What Comes Next

Getting your license is just the beginning. Here is what you should plan for in your first year as a licensed agent:

Post-Licensing Education

Many states require new licensees to complete post-licensing education within their first year or before their first renewal. For example, Virginia requires 30 hours of post-licensing education within the first 12 months. This additional training covers practical skills like contract writing, risk management, and escrow procedures that supplement the theoretical knowledge from your pre-licensing coursework.

Continuing Education

Every state requires continuing education (CE) for license renewal. Renewal cycles are typically every one to four years, and CE requirements generally range from 8 to 30 hours per cycle. Topics often include ethics, fair housing updates, legal changes, and elective subjects of your choice. Staying current with CE is not optional: failing to complete your CE on time can result in your license being placed on inactive status.

Join Professional Associations

Consider joining the National Association of Realtors (NAR) and your local association. Membership gives you access to the Multiple Listing Service (MLS), professional designations, networking opportunities, and the ability to use the trademarked title "Realtor." Most successful agents maintain active association memberships throughout their careers.

Build Your Business

Real estate is fundamentally an entrepreneurial career. Even though you work under a broker, you are essentially running your own business. Invest time in building your sphere of influence, creating a marketing plan, developing an online presence, and learning your local market inside and out. The first year is often the hardest financially, so plan accordingly. Many successful agents recommend having six months of living expenses saved before going full-time.

How Long Does It Take to Get a Real Estate License?

The total timeline depends primarily on your state's education requirements and how quickly you can study. Here is a general breakdown:

• States with lower hour requirements (40-75 hours): You can realistically get licensed in 4-8 weeks if you study consistently. Florida (63 hours), Virginia (60 hours), and several other states fall into this category.
• States with moderate requirements (75-120 hours): Plan for 2-3 months. States like New York (77 hours) and Indiana (90 hours) are in this range.
• States with high requirements (120+ hours): Budget 3-6 months. Texas (180 hours) and California (135 hours) require the most significant time investment.

Add one to three weeks for scheduling and taking the exam, plus two to four weeks for application processing and background checks. The fastest path from start to active license is roughly six weeks in a low-hour state; the typical path in most states is two to four months.

Frequently Asked Questions

Do I need a college degree to get a real estate license?

No. No state in the U.S. requires a college degree to obtain a real estate license. You need a high school diploma or GED equivalent in most states. This is one of the aspects that makes real estate such an accessible career path.

Can I get a real estate license with a criminal record?

In most states, a criminal record does not automatically disqualify you from getting a real estate license. Licensing boards typically review applications on a case-by-case basis, considering the nature of the offense, how long ago it occurred, and evidence of rehabilitation. Some states, like Texas, allow you to request a preliminary fitness determination so you can find out your eligibility before investing time and money in education.

Can I practice in multiple states?

Yes, but you generally need a license in each state where you want to practice. Many states offer reciprocity or cooperative agreements that reduce the requirements for out-of-state licensees. For instance, Virginia offers universal reciprocity, meaning licensees from any state can apply without needing a specific reciprocal agreement. Check our individual state guides for detailed reciprocity information.

How much does it cost to get a real estate license?

Total costs range from approximately $80 in the least expensive states to $749 or more in the most expensive states. The major cost categories are pre-licensing education, exam fees, application fees, and background check fees. Read our complete state-by-state cost breakdown for detailed figures.

Is a real estate license worth it in 2026?

For most people, yes. The median gross income for full-time real estate agents continues to rise, and the flexibility of the career is hard to match. However, real estate income is commission-based, meaning your earnings depend directly on your effort, market knowledge, and ability to build relationships. The first year is often the hardest financially, so going in with realistic expectations and a financial cushion is important.

Start Your Journey Today

Getting a real estate license is one of the most straightforward paths to a professional career that does not require a college degree. The process is well-defined: research your state's requirements, complete your education, pass the exam, submit your application, and find a broker. Thousands of people do it every year, and with the right preparation, you can too.

Browse our detailed state guides to get started with the exact requirements for your state. Every guide includes verified education hours, fee breakdowns, exam details, reciprocity information, and step-by-step application instructions sourced directly from official state licensing boards.

Sources

All state-specific data referenced in this guide, including pre-licensing hour requirements, fees, exam providers, and reciprocity information, is sourced from official state real estate licensing boards and commissions. Detailed citations and verification dates are available on each individual state page:

• Texas Real Estate License Requirements - getlicensemap.com
• California Real Estate License Requirements - getlicensemap.com
• Florida Real Estate License Requirements - getlicensemap.com
• New York Real Estate License Requirements - getlicensemap.com
• Virginia Real Estate License Requirements - getlicensemap.com
• Georgia Real Estate License Requirements - getlicensemap.com
• Illinois Real Estate License Requirements - getlicensemap.com
• Colorado Real Estate License Requirements - getlicensemap.com
• Indiana Real Estate License Requirements - getlicensemap.com
• Tennessee Real Estate License Requirements - getlicensemap.com

Data was last verified in February 2026. Requirements can change as state legislatures update licensing statutes. We recommend confirming current requirements with your state's licensing board before beginning the process.