How to Become a Real Estate Agent in Kentucky? (license| exam| income)

How to become a real estate agent in Kentucky?

(**) Disclosure: This post may contain affiliate links, meaning our company, JCHQ Publishing will get a commission if you decide to make a purchase through the links, but at no additional cost to you.

To become a real estate agent in Kentucky, you need to complete 96 hours of pre-licensing real estate courses, pass the Kentucky Sales Associates Exam, work with a managing broker who would sponsor your real estate sales associate license. You must submit an application and $60 license fee to the Kentucky Real Estate Commission (KREC).

The KREC is an agency of the Commonwealth of Kentucky, which responsible for issuing licenses to real estate salesperson and brokers. They also have the duty to ensure public interest can be safeguarded.

If you are interested in the real estate sales profession in Kentucky, then this is the guide for you. Not only you’ll learn about the step-by-step process to become a real estate agent, but you will also find helpful details such as the income updates, content of the real estate exam, reciprocal rule, and a list of top brokerage firms in Kentucky.

When choosing a real estate school, I prefer one where you could take the courses online. This way, you could study at your own pace whenever and wherever. RealEstateExpress is a trustworthy real estate education provider. You may click here to see whether they offer pre-licensing course in your state. (**)

Infographic with Steps to Become a Real Estate Agent in Kentucky

7 Steps to Become a Real Estate Agent in Kentucky

Step 1: Meet the Eligibility Requirement

  • Citizen of the United States or permanent resident alien
  • At least 18 years of age
  • Have a valid Social Security Number
  • Hold a high school diploma or higher (If you finished high school in another country, a foreign transcript may also be considered.)

Step 2: Complete the Pre-Licensing Education

You could either complete 6 academic credit hours in real estate from an accredited college or university or take 96 hours of course from an approved education provider. The course will cover different concepts about the Kentucky Real Estate Principles.

Here’s the course outline I found from an education provider:

Course Contents
1. Real Property Characteristics and Rights
2. Interests and Estates
3. Liens and Encumbrances
4. Forms of Ownership
5. Title and Title Transfer
6. Foreclosure
7. Real Property Taxation
8. Legal Descriptions
9. Construction
10. Land Use Control and Regulation
11. Understanding Environmental Issues
12. Factors Affecting Market Value
13. CMA’s
14. The Appraisal Process
15. Real Estate Finance
16. Real Estate Finance 2
17. Agency Law
18. Agency Relationships and Disclosures
19. Seller Agency Duties
20. Seller and Property Qualification
21. Listing - Pricing, Financing and Seller Equity
22. Distressed Properties
23. Agreement and Compensation Issues
24. Marketing Period Communications and Counseling
25. Buyer Agency Duties
26. Buyer Representation Agreement
27. Qualifying Buyer Needs
28. Showing Properties
29. Preparing Buyer's Offer
30. Closing Costs
31. Pre and Post Closing Issues
32. General Contract Law
33. Contracts – Listing Agreements
34. Contracts-Sale and Lease Contracts
35. Closings
36. Broker-Agent Relationship
37. Advertising
38. Mid-Course Practice Exam
39. Antitrust Laws
40. Trust Accounts
41. Property Management
42. Fair Housing
43. Risk Management
44. Ethics and Brokerage
45. Ethics - Articles 1, 2 and 3
46. Ethics - Articles 12 and 16
47. Company E-resources & MLS Interface
48. Personal Database

Step 3: Complete Background Check

To protect the public interest, the KREC would conduct a background check on the real estate license applicant. They would require a copy of the FBI report.

You could go to the Kentucky real estate commission website and click on the FBI report requirement. Choose the “FBI Fingerprint Card & Instructions.” under the Resources.

Kentucky real estate sales associate fingerprint card

Then you simply follow the instruction. The ORI# is KY920229Z, and your fingerprinted reason is “KRS 324.045 Real Estate License.

The processing fee is $33.25. Keep in mind that you must do so before taking the exam, and the FBI Background reports expire three (3) months after the date of issuance. Here are more instructions for your reference.

Step 4: Pass the KY Real Estate Salesperson Exam

Pass the Kentucky Real Estate Salesperson Exam

The exam is to test your knowledge on the real estate topics that are covered in the pre-licensing education. The test is administered by the PSI.

To register, you need to complete their online exam registration and provide them with the required documents. The exam fee is $100.

I’ll also include more details about the exam later in the post.

Rather than studying all random topics in a textbook, here’s a Real Estate Exam Study Hacks to increase your chance in passing the exam on the first attempt. Not only you’ll find tips and tricks about the exam, but I’ll also show you how to cope with the stress.

Step 5: Find a Sponsoring Real Estate Broker

Find a Sponsoring Real Estate Broker in Kentucky

You are one step closer in becoming a real estate agent. After you pass the exam, you must work with a managing broker who would sponsor your license.

But don’t rush into working for just any broker. Finding a good trainer is crucial at the initial stage of your real estate career. A thoughtful and experienced trainer could teach you a repeatable and systematic process in running your business profitably.

You will find a list of the top producing Kentucky real estate brokerages later in this guide.

Step 6: Register with the Kentucky Real Estate Commission

Now, it’s time to submit the application to the KREC. You may do so through their online portal. Here’s a tutorial video of the registration process.

The license fee is $60. To my understanding, you may also obtain the E&O coverage through the KREC. There is an additional $10 E&O Processing fee.

Step 7: Complete the Post-Licensing Courses

The post-licensing courses is a one-time requirement to obtain 48 credit hours within 2 years after the initial license date. The courses would cover 32 mandatory hours and 16 elective hours. Below are the topics that must be included in the 32 hours mandatory curriculum.

Commission Compliance course3
Fair Housing3
Technology & Data Security3
Risk Management2

A Quick Table Summary of Becoming a Real Estate Agent in Kentucky

Citizen of the United States or permanent resident alien

At least 18 years of age

Have a valid Social Security Number

Hold a high school diploma or higher
96 hours of pre-licensing course

48 hours of post-licensing courses within 2 years of initial license

6 credit hours of continuing education every calendar year
4 hours

130 questions

Required passing score is 75%
Pre-licensing courses around $300 to $500

Exam fee $100

Exam prep $50 to $90

License fee $60

Here’s a Snippet of What Lori James Think about Being a Real Estate Agent!

Lori James, Real Estate Agent

I think being a real estate agent is a good career for self motivated people. You can make your own hours, but you have to plan out your week in advance, so you have a work life balance.

– Lori James, Real Estate Agent at Real Living Real Estate.

Here’s the article where you can read more on Lori’s thoughts about the real estate sales profession. In there, you can also find valuable feedback from multiple professional real estate agents. Don’t miss out!

More helpful details about the Kentucky Real Estate Sales Associate Exam

How hard is the Kentucky real estate exam?

How many questions are on the Kentucky real estate exam?

The Kentucky real estate exam has 130 questions, and it is a 4 hours exam. It is divided into two parts, the State portion (50 questions), and the General portion (80 questions).

What will be tested in the Kentucky General Portion of the real estate exam?

Exam topicsWeighting
Property ownership8%
Land use controls and regulations 5%
Valuation and market analysis 7%
Financing 10%
General principles of agency13%
Property disclosures 6%
Leasing and Property Management 3%
Transfer of Title 8%
Practice of real estate 13%
Real estate calculations 10%

What is covered in the KY State Portion?

Exam topicSalesperson
(# of items)
Real Estate Commission5
Requirement for a License10
Brokerage Activities and Requirements18
License Law Requirements for Contracts6
Disclosures and Agency Issues8
Property Management 3

What is the required passing score?

The required passing score is 75%. Once you finish writing the exam, the result will be given to you immediately.

If you do not pass, you could retake the portion that you fail. However, you must pass both portions within four months. Else, you’ll need to retake both portions again. Also, a diagnostic report will be given to you. It shows your strengths and weaknesses in your exam writing. 

How hard is the Kentucky real estate exam?

The KY real estate salesperson exam contains 130 questions, and you must answer 75% of them correctly to pass it. There will be 4 hours of writing it. In other words, you’ll only have 1 to 2 minutes for each question.

Doing multiple sets of practice questions is an excellent way to prepare for the exam and also boost your confidence.

PrepAgent is an exam prep that I highly recommend. Many students were able to pass the real estate exam after doing their practice questions. Over 97% of users provided a 5 out of 5 stars rating to them on Facebook. Click here to check out their package options. (**)

Here are some more tips to pass the KY real estate exam!

Tips to pass the Kentucky Real Estate Exam

Cramming for the exam is ineffective. Instead, you should study for 45 to 60 minutes, then take a break. Concentration tends to wander if you study for too long. If possible, focus on studying only one to two topics per day. But be really good at it.

Also, you must provide two IDs to the test center. One has to be a government-issued identification (Driver’s License, State ID, Passport), which shows your signature and your photograph. The second one needs to have your signature and preprinted legal name. Keep in mind that the IDs must not be expired.

How much does it cost to become a real estate agent in Kentucky?

How much does it cost to become a real estate agent in Kentucky?

It would cost around $410 to $750 to get the real estate license in Kentucky.

Here’s the breakdown of the costs to get the real estate license:

  • 96 hours of pre-licensing courses typically range from $300 to $500.
  • Exam fee is $100
  • Exam prep is $50 to $90
  • License fee is $60

Although the exam prep not mandatory, you may want to invest into it. It can increase your chance of passing the exam on the first try so that you don’t need to waste time and money in retaking it. 

You may find the online school and the exam prep I like on our education resource page.

Once you obtain the real estate license, there would be other business expenses to account for. For instance, E&O, MLS subscription, laptop, travel expenses, advertising and marketing.

How long does it take to become a real estate agent in Kentucky?

How long does it take to become a real estate agent in Kentucky?

Suppose you will spend 2 hours taking the 96 hours pre-licensing education, then it would take one and a half month to finish the course. Then let’s say another one and a half month to master course materials and work on all the exam prep questions.

Assume that you submit the application right after you pass the exam, it could take the Commission a few weeks of processing time.

In total, it could take 3 to 4 months to get a real estate license in Kentucky.

How much do real estate agent make in Kentucky?

How much do real estate agent make in Kentucky?

Real estate agents in Kentucky earn an average annual income of $50,570. It typically ranges between $28,850 and $70,610. Some top earners are making $99,310 per year. (*)

At the beginning phase in your real estate career, you probably would not make a lot, because you have not built up the client base and established trust with the prospects.

But as you continue to gain experience and sharpen your business skills, you should be able to notice a significant improvement to your earning.

Your earning potential as a real estate agent would depend on the price range of the properties that you work with, the number of transactions you could complete, the commission splitting schedule with the real estate brokerage and other factors.

(*) Source: Bureau of Labor Statistics May 2019

Want to know how to become a six-figures income earner? Check out this “Real Estate Agent Salary Guide“. In there, you’ll find what are the important factors which could significantly influence your income.

Is there a demand for real estate agents in Kentucky?

Is there a demand for real estate agents in Kentucky?

Kentucky has a population of nearly 4.5 million and has modest growth over the years. Currently, there are 1690 real estate agents in Kentucky, which works out to be 0.891 real estate agents per 1000 of workers. (*)

Whenever there are transactions in buying, selling or renting property, there is always a demand for real estate agents in Kentucky.

When you are deciding the regions to conduct your real estate business, you should target areas that have a high population. After all, transactions can only occur when there are people.

Also, consider working on properties that have good value, as this is one of the major factors when calculating your commission. According to Zillow Home Value Index, the median home value in Kentucky is $146,871. with median rent of $1,145.

(*) Source: Bureau of Labor Statistics May 2019

Here are the home values and rent info in the most populated cities

CitiesPopulationHouse ValueMarket Rent
Bowling Green69,269$183,063$1,000

Source: Zillow as of Nov 30, 2019

Which real estate brokerage firm should you join in Kentucky?

When choosing a real estate brokerage, many people only focus on the commission split, but there are many other factors you also need to consider.

For example, what type of training will they provide? Will they equip you with the skills in finding qualify prospects and closing a sale? Is there a shared office space you could use? Can the brokerage provide you with adequate administrative and marketing support? Will they provide you with leads to work on? Do they utilize up-to-date technology (i.e.: CRM, software subscription) to streamline the daily workflow.

All these would be extremely important especially at the beginning phase of your career.

Below are the top real estate brokerage in Kentucky based on their closed transaction sides for 2018.

  • Keller Williams Realty Louisville East, Louisville
  • Coldwell Banker Legacy Real Estate Group, Bowling Green

What is the real estate license renewal requirements in Kentucky?

You need to renew your license annually. To do so, you must complete the post-licensing courses, continuing education and the Core Courses.

The post-licensing courses is a one-time requirement to obtain 48 credit hours within 2 years after the initial license date.

As for the continuing education requirement, you’ll need to complete 6 credit hours during each calendar year. Of which at least 3 hours must be in law.

In additional to the post-licensing courses and continuing education, you are also required to complete 6 hours of Core Courses once every four year.

What states have real estate license reciprocity with Kentucky?

The Kentucky Real Estate Commission will no longer has any reciprocal license agreement with any states. Although the KREC is negotiating reciprocal​ license agreements with individual states, but no agreements have been finalized yet.

Can you get a real estate license with a felony in Kentucky?

Yes, it is possible to get a real estate license with a felony in Kentucky. However, KREC will put into consideration the applicant’s honesty, trustworthiness, character, and integrity. Whether a felon can be a real estate sales associate is subjected to how the licensing commission evaluates the case. 

I reviewed the FAQ’s for Criminal History Report section of their website. Typically speaking, they would require applicant to address the following:

1. The nature of the crime;

2. Whether the crime indicates the applicant’s untrustworthiness or incompetence in a manner that threatens the public interest;

3. Any evidence of honesty, truthfulness, and good reputation of the applicant;

4. Evidence of rehabilitation by the applicant since the crime;

Whether the applicant has received written confirmation from a principal broker willing to accept the applicant as an associate upon licensure;

Whether the applicant is currently under probation, parole, or other state supervision or reporting requirements as a condition of any criminal sentence; and

Other information relevant to the applicant’s fitness to broker real estate.

Quote from Kentucky Real Estate Commission website

But don’t get discouraged as everyone has a past. The most important is that you can demonstrate that you will serve the public in a fair, honest, and open manner.

Here’s an article that covers how to apply for a real estate license with a felony record. In there, you’ll find practical tips which could help your application.

How to become a commercial real estate agent in Kentucky?

To become a commercial real estate agent in Kentucky, you need to complete the 96 hours of pre-licensing real estate courses and pass the real estate sales associate exam.

The KREC does not issue separate licenses for residential and commercial agents. So, the requirement is basically the same one we just went through.

Furthermore, if you are going to pursue a career as a CRE agent, you should look for a brokerage that could give you the right support and resources.

Here’s the “Complete Guide to a Commercial Real Estate Agent Career“, where you’ll find the outlook of this profession, earning potential, and valuable feedback from CRE agents. Be sure to check it out.

I have more questions about the Kentucky real estate license, whom should I contact?

You could contact the Kentucky Real Estate Commission:

  • 500 Mero Street 2NE09, Frankfort, KY  40601
  • Office: (502) 564-7760
  • Toll Free: (888) 373-3300
  • Fax: (502) 564-1538
  • Email:​

A Video Summary on How to Get a Real Estate License in Kentucky

If you are reading up to this point, I bet you must be interested in getting a real estate license. Your first step is to complete the pre-licensing courses. You should select one that has an excellent reputation and long-term track record of satisfying students. RealEstateExpress is exactly that! You may click here to check it out yourself. (**)

Disclaimer: The information in this post is for general information only, and not intend to provide any advice. They are subjected to change without any notice, and not guaranteed to be error-free. Some of the posts on may contain views and opinions from the interviewees. They do not reflect our view or position.

(**) Affiliate Disclosure: Please note that some of the links above are affiliate links, and at no additional cost to you. Our company, JCHQ Publishing will earn a commission if you decide to make a purchase after clicking on the link. Please understand that we include them based on our experience or the research on these companies or products, and we recommend them because they are helpful and useful, not because of the small commissions we make if you decide to buy something through the links. Please do not spend any money on these products unless you feel you need them or that they will help you achieve your goals.


  • Kentucky Real Estate Commission (Source)
  • Kentucky Real Estate Examination Licensing Information Bulletin (Source)
  • Bureau of Labor Statistics – Real Estate Agents (Source)
  • Real Trends: Ranking (Source)
  • – Kentucky Home Prices & Values (Source)
  • World Population Review- Population of Cities in Kentucky (Source)

Jacob Coleman

Jacob is a content writer and a real estate investor. He has experience working with different real estate professionals throughout the years. (i.e., appraisers, real estate agents, property managers, home inspectors.) In order to build a career you love, Jacob believes not only you need a thorough understanding about the profession, but you also have to find out what type of jobs could match your personality, lifestyle and expectation.

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