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Real Estate Agent
Some details on this page are not yet confirmed against an official source. See sources below or contact the licensing board to verify.
To get a Kentucky real estate license in 2026, you must complete 96 hours of Kentucky Real Estate Commission (KREC)-approved pre-licensing education, pass a background check, take and pass the PSI licensing exam, and find a sponsoring broker. Most applicants finish in 8–16 weeks and spend $630–$981 including course tuition.
Pre-License Hours
$481
Total Gov Fees
130
Exam Questions
4 hrs
Exam Time
Renewal Cycle
Reciprocity
CE Required
Renewal Fee
18 years old
Min. Age
Kentucky Real Estate Commission (KREC)
Authority
⚠ Recent Changes in Kentucky
| Minimum Age | 18 years old |
| Education | High school diploma or GED |
| Residency | Not required Non-residents must submit KREC Form 205 (Consent to Jurisdiction & Service of Process). |
| Citizenship | US citizen or permanent resident alien |
| Background Check | Required National Criminal History Check (FBI) via IdentoGO (service code 27GJR5). Must be completed BEFORE taking the exam. Results valid for 90 days. |
| E&O Insurance | Required Errors & Omissions insurance required for active licensees. RISC group policy or independent coverage. |
| Sponsoring Broker | Required to activate Not required to obtain the license itself, but must affiliate with a principal broker to activate and practice. |
Not sure if you need a real estate license? Check whether your state requires one.
| Fee | Amount |
|---|---|
Exam Fee (per attempt) Paid to: PSI Services | |
License Application Fee (Active) Paid to: KREC | |
Fingerprinting / Background Check Paid to: IdentoGO ⚠ Conflict: Colibri/Mbition (may include additional FBI Identity History Summary fee of $18) reports $69.25. $51.25 is the IdentoGO/KSP fee alone. Some sources cite $69.25 which may include the separate $18 FBI Identity History Summary. Different components, not conflicting data. | |
E&O Insurance (2-year group policy) Paid to: RISC or approved E&O provider | |
Total Estimated Government Fees | $481 |
Use our licensing cost calculator to estimate your total investment including education and exam fees.
See the full cost breakdown with our License Cost Estimator →
Education Requirements
Mostly verifiedTotal Hours Required
Provider Type
KREC-approved education providers (proprietary schools, community colleges, universities, online)
Required Courses
Course cost typically $249–$884 depending on provider and format.
See our picks for the best real estate programs in Kentucky.
Exam Details
Mostly verifiedExam Provider
Total Questions
130
Total Time
240 min
Format
Computer-based, multiple-choice. In-person only at PSI test centers (no remote proctoring).
Exam Sections
| Section | Questions | Time | Passing |
|---|---|---|---|
| National | 80 | 150 min | 75% |
| State (Kentucky) | 50 | 90 min | 75% |
Retake Policy
Unlimited retakes. Can retake as soon as 24 hours after failing. $100 per attempt. Must pass both portions within 4 months or all scores expire. Only failed section needs retaking.
5–10 unscored pretest items included. National and state questions are intermingled (not separately labeled). Test centers: Bowling Green, Lexington, Louisville, Maysville, Paducah, Somerset. Non-programmable calculators permitted.
For study strategies and what to expect on test day, see our guide to passing the real estate exam.
Take a KREC-approved 96-hour course (Parts A & B). Max 9 hours of study per day.
Estimated time: 3–12 weeks
Schedule via IdentoGO (service code 27GJR5). Cost: $51.25. Must be completed BEFORE exam. Results sent to KREC.
Estimated time: 1–2 weeks
Schedule at psiexams.com. Pay $100 exam fee. Pass both National (60/80 = 75%) and State (38/50 = 75%) sections.
Estimated time: 1–2 weeks
Submit within 60 days of passing exam. Pay $130 (active) or $120 (inactive). Receive application at PSI testing site upon passing.
Estimated time: ~5 business days processing
RISC group policy (~$256/2 years) or independent coverage.
Estimated time: 1–3 days
Secure affiliation to activate license and begin practicing.
Estimated time: 1–4 weeks
Renewal Details
Mostly verifiedRenewal Cycle
CE Hours
Renewal Fee
Deadline & Late Policy
March 31 of every even-numbered year confirmed for renewal deadline.
First Renewal Notes
New licensees exempt from CE during first 2 calendar years. Must complete 48-hour post-licensing education (32 mandatory + 16 elective) within 2 years of activating license.
Kentucky Core Course is mandatory once every 4 years — no substitutions accepted. E&O insurance must be arranged before renewal.
Regulatory Board
For a deeper dive into CE requirements and deadlines, see our real estate license renewal guide or compare deadlines across all 50 states.
See full CE requirements in Kentucky: Continuing education details →
Interstate Reciprocity
VerifiedHas Reciprocity
Yes
Type: Conditional Reciprocity
Reciprocal States
| State | Conditions |
|---|---|
| Florida (FL) | Must complete 40-hr KY Reciprocal License Law course, pass KY state exam portion, background check. |
| Illinois (IL) | Must complete 40-hr KY Reciprocal License Law course, pass KY state exam portion, background check. |
| Tennessee (TN) | Must complete 40-hr KY Reciprocal License Law course, pass KY state exam portion, background check. |
| Ohio (OH) | Memorandum of Understanding. Must complete 40-hr KY Reciprocal License Law course, pass KY state exam portion, background check. |
| () |
West Virginia reciprocity status uncertain — some sources indicate it may have been discontinued due to statutory changes. All reciprocal applicants must complete 40-hour KY Reciprocal License Law course, pass course final (75%), pass KY state exam, complete background check, and obtain license history from all states where licensed.
Moving to another state? Use our Transfer Tool to see what you need →
Compare Kentucky with other states →
See how requirements, costs, and timelines differ across all 50 states.
Real Estate Agent Schools in Kentucky
Compare approved training programs, costs, and requirements.
Official Sources
Real Estate Agent requirements in Kentucky verified against Kentucky Real Estate Commission (KREC), April 2026.
All data on this page was verified against the following official sources. Last verified: 2026-04-02.
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