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RE License Guide

Kentucky real estate licensing

Kentucky Real Estate Sales Associate License requirements

A practical, source-checked guide to qualifying, passing the exam, applying, and keeping this license active.

Gabriel Giner

By Gabriel Giner, Editor  ·  Verified  ·  RE License Guide Editorial Desk

Source checked 11 official references Next review 2026-12-01
Required education
96 classroom hours or 6 academic credit hours in real estate
Exam fee
$100
Published fees
$100
Typical timeline
96 hours plus FBI turnaround (the report is a 90-day fuse) plus PSI seating plus 60 days to file
01

What to know first

Kentucky does not call the first license salesperson. The Kentucky Real Estate Commission issues a sales associate credential after 96 classroom hours from a Kentucky-approved private school or six academic credit hours in real estate from an accredited college. The sequence trap is the FBI Identification Records Check: 201 KAR 11:430 and the PSI bulletin want fingerprints requested before you schedule PSI. People who book PSI on Friday and IdentoGO on Monday have the wrong order, and an unreadable-print letter is its own reprint — the report itself is valid 90 days. Apply within 60 days of passing both portions. After 60 days the entire exam is voided.

The PSI Kentucky Candidate Information Bulletin (updated 10/1/2023, still the live bulletin at test-takers.psiexams.com/kyre) is the exam bible. Sales Associate General: 80 items / 80 points / 150 minutes. State: 50 items / 50 points / 90 minutes. Both: 130 / 240 minutes. Passing is at least 75 percent correct on each portion — a percent cut, not a scaled 70. Experimental items (5–10) may appear and are not scored. The two-column PSI PDF mixed the sentence about whether that time counts against the clock; this hub does not invent a clock-does-not-count claim. The fee is $100 whether you sit one portion or both, first time or retake. Pass one portion and fail the other: retake only the failed portion, but both portions must be passed within four months of passing the first; after four months, both again. Live KREC Reciprocal License page (static_ID=655, fetched 2026-09-02) currently has reciprocity agreements with Florida, Illinois, and Tennessee. The PSI bulletin (Updated 10/1/2023) still tells reciprocity candidates they must be actively licensed in Ohio, Tennessee, West Virginia, or Florida and to book Sales – License Reciprocity Exam or Broker – License Reciprocity Exam, bringing a license or certificate of licensure to the center. This hub will not merge those lists: follow the live KREC Reciprocal License page for who has an agreement, and book the Reciprocity product the bulletin names if you are on that path.

E&O is how Kentucky actually lets people practice: Commission group policy through RISC, or a Private Carrier Certification of Coverage form. Out-of-state residents attach KREC Document #407 (Consent to Service of Jurisdiction). Anyone who has ever held a license in another state attaches a Certification of License History valid 90 days. Indiana next door starts everyone as a broker after 90 hours. Ohio is 100 hours and the broker signs before the exam. Tennessee uses affiliate broker. Kentucky is 96-hour sales associate, FBI-before-PSI, $100, 80/50 at 75 percent, 60 days to apply.

02

Your path to the license

Follow these steps in order. Deadlines and affiliation requirements can make a passed exam unusable if they are missed.

  1. Finish 96 classroom hours or 6 college real-estate credits

    Before the PSI reservation. Use the bulletin school code.

  2. Request the FBI Identification Records Check

    Before you schedule PSI. Report valid 90 days. IdentoGO / KSP.

  3. Sit PSI: 80 national + 50 state at 75%, $100

    Combo 240 minutes. Reciprocity candidates book the Reciprocity product and bring the license.

  4. File the PSI-printed application within 60 days

    E&O, principal broker, Document #407 if nonresident, 90-day history if ever licensed elsewhere. After 60 days the exam is void.

03

Education and eligibility

Minimum age
18 years old
Identification
A Social Security number is required. An ITIN is not confirmed as a substitute.
Residency and identification
Kentucky residency is not independently required. Nonresidents attach Consent to Service of Jurisdiction (KREC Document #407). Anyone who has ever held a license in another state attaches a Certification of License History valid 90 days, active or canceled.
Qualifying education
Live KREC Education page (static_id=190) and Requirements page (static_id=201), fetched 2026-09-02: ninety-six (96) hours of Commission-approved pre-license instruction OR six (6) academic credit hours in real estate courses at an accredited college or university. PSI bulletin restates the same 6-credit / 96-classroom pair plus high school diploma/GED (or 28 post-secondary academic credits in lieu of the diploma). Education must be finished before the PSI reservation. After the hanging, live PLE page (static_id=213) and 201 KAR 11:170: sales associates licensed after January 1, 2016 complete 48 hours of post-license education within two years of obtaining an active license — 32 mandatory + 16 elective. Named mandatory grid on the live PLE page: Commission Compliance 3, Agency 6, Contracts 6, Finance 3, Advertising 3, Disclosure 3, Fair Housing 3, Technology & Data Security 3, Risk Management 2. FORM E113 lists prescribed topics. Providers, not a self-tracking chart, post credit. A Tennessee affiliate-broker 60 or an Indiana broker-entry 90 is not this 96.
Education or filing deadline
Apply within 60 days of passing both portions or the entire exam is voided. Split-retake clock is four months from the first passed portion.
Character review
The FBI record as KREC currently reads it: no felony charges or convictions at any time and no misdemeanor charges or convictions within the past five years is the bulletin’s printed filter. Disclose anyway; non-disclosure is independently disqualifying. A Determination-style preview, if KREC currently offers one, is on krec.ky.gov.
Background process
Initiate the FBI Criminal Background report before PSI (live Candidate Testing). 201 KAR 11:210: 90-day life; FBI 28 C.F.R. 16.30–16.33 or KSP for FBI submission. Form 209 is the rejected-print fallback. The live Fee Schedule does not print a vendor dollar.
Experience
No licensed experience is required for the sales-associate license. A principal broker and E&O are required to issue, not to sit PSI after education and the FBI request.
Broker affiliation
A Kentucky sales associate practices under a principal broker. E&O (group RISC or private-carrier certification) is a license-issuance instrument, not optional NAR insurance. Confirm the live principal-broker affiliation fields on the passing score report / license application PSI hands you at the center.

Documents to prepare

  • 96-hour Kentucky school certificate or official college transcript (6 real-estate credits)
  • High school / GED / 28 post-secondary credits
  • FBI Identification Records Check (≤90 days) requested before PSI
  • PSI national 80 and state 50 at 75% each
  • License application PSI prints at the center, filed within 60 days
  • E&O (RISC group or private-carrier certification)
  • Principal-broker affiliation
  • Document #407 if nonresident; 90-day license history if ever licensed elsewhere
04

The licensing exam

PSI Kentucky bulletin (test-takers.psiexams.com/kyre). Sales associate: national 80/150 minutes, state 50/90 minutes, combo 130/240 minutes. 75% correct each. $100 whether one portion or both. Split retake: failed portion only, but both portions inside four months of the first pass. Reciprocity product is a different PSI exam — do not book ordinary Sales Associate State. State outline (50 items): brokerage activities 18 (relationship, commissions, advertising, monies, documents, place of business, records, escrow, improper conduct, unlicensed assistants), license requirements 10, disclosures and agency 8, license-law contracts 6, Real Estate Commission 5 (including administration of the Education, Research, and Recovery Fund), property management 3. National weights: contracts 19%, agency 13%, practice 12%, ownership 10%, financing 10%, valuation 8%, math 7%, disclosures 7%, title 6%, land use 5%, property management 3%.

PSI Services LLC (test-takers.psiexams.com/kyre) after education and after the FBI request is in motion · Fee: $100

Part Questions Minutes Pass
Sales Associate National (General) 80 150 80 items (80 points) / 150 minutes on the live PSI Examination Summary Table (Updated 10/1/2023, bulletin 2312). 75% correct (60 of 80). Combo with state is 130 items (130 points) / 240 minutes. $100 covers one portion or both. Contracts 19%, agency 13%, practice 12%, ownership 10%, financing 10%, valuation 8%, disclosures 7%, math 7%, title 6%, land use 5%, property management 3%.
Sales Associate Kentucky State 50 90 50 items (50 points) / 90 minutes. 75% on the live bulletin; the bulletin does not print a raw item cut for this 50-item paper (75% of 50 is 37.5), so this hub does not invent 37 or 38. Brokerage activities 18, license requirements 10, disclosures and agency 8 (Seller Disclosure of Property Condition, condominium seller certificates, stigmatizing factors), license-law contracts 6, Real Estate Commission 5 including Education, Research, and Recovery Fund, property management 3. Reciprocity candidates book License Reciprocity Sales Associate, not this product.

$100 each sitting, one portion or both. Fail one, retake only that portion, but both portions must be passed within four months of passing the first. After four months, both again. After both pass, 60 days to apply or the entire exam is voided. Cannot rebook the same day; a Wednesday fail can sit Friday. Reciprocity is a different PSI product.

What to study

  • PSI Kentucky bulletin (80/50, 75%, $100, 4-month split, 60-day apply)

    PSI / KREC

    State outline weights brokerage activities at 18 of 50 items.

  • KRS 324 and 201 KAR 11

    KREC / LRC

    Agency, escrow, advertising, unlicensed assistants, Recovery Fund administration.

  • Seller disclosure / condominium seller certificate / agency disclosure

    KREC forms

    8 state items on disclosures and agency.

05

Application costs

These are commission or testing-vendor amounts we can cite. School tuition and optional preparation products are private-market prices.

Fee Amount
Application$130
Examination$100
Initial license$130
Renewal (every 2 years)$130

Live KREC Fee Schedule (static_ID=199, fetched 2026-09-02): Initial Sales Associate License Application Fee $130 if becoming an Active Agent / $120 if going directly into Inactive Status. Renewals (March 31 of every even-numbered year) $130 active / $120 inactive. Initial Broker Application Fee (upgrading from sales associate) $60. Examination (Not paid to KREC) $100. Late Renewal Fee $200. Continuing Education/CORE late $1,000. Affiliation change $10; commence inactive $10; terminating inactive $30; broker education review $10; license history $10. Application and initialLicense in this object are that same $130 active cart, not stacked. 201 KAR 11:210 and KRS 324.287 still print a $60 original license fee plus a $60 recovery-fund fee — the live Fee Schedule cart is $130/$120; this hub follows the live cart and notes the statutory $60+$60 split. PSI $100 whether one portion or both (live Candidate Testing + bulletin). RISC group E&O is a separate invoice. Payment by phone is not permitted.

Commission

Kentucky Real Estate Commission

(502) 564-7760

KRS Chapter 324 (324.046 initial licensure, 324.085 PLE/CE, 324.141 reciprocity, 324.287 fees, 324.395 E&O, 324.400 recovery fund); 201 KAR 11:170 (PLE curriculum), 201 KAR 11:210 (application, FBI 90 days, Core, CE); live KREC Requirements (static_id=201), Education (190), Candidate Testing (205), Reciprocal License (655), Fee Schedule (199), Renewals (662), PLE (213) fetched 2026-09-02. PSI CIB Updated 10/1/2023 at test-takers.psiexams.com/kyre / bulletin 2312, (855) 746-8176, fetched 2026-09-02.

Pre-licensing

96 classroom hours or 6 academic credit hours in real estate

Live KREC Education page (static_id=190) and Requirements page (static_id=201), fetched 2026-09-02: ninety-six (96) hours of Commission-approved pre-license instruction OR six (6) academic credit hours in real estate courses at an accredited college or university. PSI bulletin restates the same 6-credit / 96-classroom pair plus high school diploma/GED (or 28 post-secondary academic credits in lieu of the diploma). Education must be finished before the PSI reservation. After the hanging, live PLE page (static_id=213) and 201 KAR 11:170: sales associates licensed after January 1, 2016 complete 48 hours of post-license education within two years of obtaining an active license — 32 mandatory + 16 elective. Named mandatory grid on the live PLE page: Commission Compliance 3, Agency 6, Contracts 6, Finance 3, Advertising 3, Disclosure 3, Fair Housing 3, Technology & Data Security 3, Risk Management 2. FORM E113 lists prescribed topics. Providers, not a self-tracking chart, post credit. A Tennessee affiliate-broker 60 or an Indiana broker-entry 90 is not this 96.

Apply within 60 days of passing both portions or the entire exam is voided. Split-retake clock is four months from the first passed portion.

Sponsoring broker

A Kentucky sales associate practices under a principal broker. E&O (group RISC or private-carrier certification) is a license-issuance instrument, not optional NAR insurance. Confirm the live principal-broker affiliation fields on the passing score report / license application PSI hands you at the center.

Fingerprints

Live Candidate Testing page (static_id=205, fetched 2026-09-02): all sales associate and broker candidates must have initiated the FBI Criminal Background report process before scheduling; sitting before eligibility voids scores. 201 KAR 11:210: request a national criminal history check before taking the exam; the report is valid 90 days from the date of the record report; obtain it from the FBI under 28 C.F.R. 16.30–16.33 or through the Kentucky State Police for FBI submission (KRS 324.045(5)). Form 209 Criminal History Affidavit is the rejected-print fallback, not a waiver. The live Fee Schedule and Candidate Testing pages this hub fetched do not print an IdentoGO dollar — do not invent one.

CE / renewal

Live Renewals page (static_ID=662) and Education page (static_id=190), fetched 2026-09-02: six (6) hours of CE each calendar year by December 31, of which three (3) hours must be in courses approved for law credit. Kentucky Core Course once every four years — no substitute; Core satisfies that year's CE. 201 KAR 11:210: 12 hours per biennial period with 6 in the first year, 6 of the 12 in law; no more than 9 hours in a calendar day; first two full education cycles after initial sales-associate issuance are CE-exempt (PLE years). PLE (licensed after January 1, 2016): 48 hours (32 named mandatory + 16 elective) within two years of obtaining an active license; miss it and the license cancels the next day. Active licensees must have E&O before renewing. Late CE/CORE $1,000; late renewal $200; miss March 31 of an even year and the license cancels.

Recovery fund

Education, Research, and Recovery Fund is a scored topic on the PSI state outline under Real Estate Commission powers (5 sales-associate items). It is a last-resort statutory fund, not E&O. Confirm live claim caps on krec.ky.gov rather than freezing a school-flyer dollar figure.

06

Mistakes that delay applicants

  • Booking PSI before initiating the FBI Criminal Background report

    Live Candidate Testing: scores voided if you sit before eligibility. 201 KAR 11:210: 90-day report life. This is not an after-the-score IdentoGO errand.

  • Waiting 61 days after passing to apply

    Live Requirements: after 60 days the entire exam is voided. Not Virginia's one year and not Maryland's one year.

  • Letting four months elapse with only one portion passed

    Live Testing Changes Effective July 1, 2015: both portions again.

  • Merging the PSI bulletin reciprocity list with the live KREC Reciprocal License page

    Live page fetched 2026-09-02: Florida, Illinois, Tennessee. Bulletin 10/1/2023: Ohio, Tennessee, West Virginia, or Florida. Confirm the live agreement and book the Reciprocity product if you are on that path.

  • Skipping E&O

    Issuance waits on RISC group or Form 203 private-carrier certification. ERP is required to deactivate.

  • Treating PLE 48 as optional NAR onboarding

    Licensed after January 1, 2016: 48 hours (32 named + 16 elective) within two years of an active license or the license cancels the next day (201 KAR 11:210 §14).

  • Inventing a 38/50 raw cut because 75% of 50 is 37.5

    The live bulletin prints 75% correct, not a raw item cut for the 50-item state paper.

07

Reciprocity and recognition

Partner / path Accepted exam Conditions
Ohio Active license, not canceled/escrow/retired. Criminal background check, certification of license history, sit the License Reciprocity Sales Associate exam (state only) and bring the license or certificate to the center.
Tennessee Same active-license + state-only Reciprocity product rules.
West Virginia Same active-license + state-only Reciprocity product rules.
Florida Same active-license + state-only Reciprocity product rules. This is not Florida mutual recognition running in reverse.

Live KREC Reciprocal License page fetched 2026-09-02 names Florida, Illinois, and Tennessee. PSI bulletin (Updated 10/1/2023) still lists Ohio, Tennessee, West Virginia, or Florida and wants the License Reciprocity product plus a license/certificate at the center. 201 KAR 11:210 reciprocal path: 90-day certification of licensure, 6 academic credits or equivalent, Kentucky-law portion of the exam, Form 205 if nonresident, $60 original + $60 recovery fund as the KAR still prints. Do not merge the bulletin list with the live page. Confirm the live Reciprocal License agreements and the product you book at PSI.

08

Renewal and staying active

Live Renewals page (static_ID=662) and Education page (static_id=190), fetched 2026-09-02: six (6) hours of CE each calendar year by December 31, of which three (3) hours must be in courses approved for law credit. Kentucky Core Course once every four years — no substitute; Core satisfies that year's CE. 201 KAR 11:210: 12 hours per biennial period with 6 in the first year, 6 of the 12 in law; no more than 9 hours in a calendar day; first two full education cycles after initial sales-associate issuance are CE-exempt (PLE years). PLE (licensed after January 1, 2016): 48 hours (32 named mandatory + 16 elective) within two years of obtaining an active license; miss it and the license cancels the next day. Active licensees must have E&O before renewing. Late CE/CORE $1,000; late renewal $200; miss March 31 of an even year and the license cancels.

Applicant checklist

  • 96 classroom hours or 6 college real-estate credits, plus diploma/GED
  • FBI Identification Records Check requested before PSI (≤90 days at filing)
  • PSI 80/50 at 75% ($100)
  • Application PSI prints, filed within 60 days
  • E&O (RISC or private-carrier certification)
  • Principal-broker affiliation
  • Document #407 if nonresident
09

How Kentucky is different

Indiana: broker-entry, 90 hours. Ohio: salesperson, 100 hours, broker signs first. Tennessee: affiliate broker. West Virginia: 90 hours. Kentucky: sales associate, 96 hours or 6 college credits, FBI before PSI, $100, 80/50 at 75%, 60 days to apply, reciprocity with OH/TN/WV/FL for the state-only paper.

10

Frequently asked questions

Is it salesperson or sales associate?
Sales associate. Live KREC Requirements page. Searching KREC for a salesperson form is wasted time.
How many pre-license hours?
Ninety-six (96) classroom hours of Commission-approved pre-license instruction, or six (6) academic credit hours in real estate at an accredited college or university. Live Education page and Requirements page, fetched 2026-09-02. Verified from those live pages, not a school blog.
Do I sit PSI before the FBI report is in motion?
No. Live Candidate Testing: initiate the FBI Criminal Background report process before scheduling. 201 KAR 11:210: national criminal history check valid 90 days. Sitting before eligibility voids scores.
Exam fee, items, time, cut?
PSI $100 whether one portion or both (live Candidate Testing + bulletin). National 80 items (80 points) / 150 minutes. Kentucky 50 items (50 points) / 90 minutes. Combo 130 / 240 minutes. 75% correct on each portion. The bulletin does not print a raw item cut for the 50-item state paper (75% of 50 is 37.5); this hub does not invent 37 or 38.
Can I bank a passed national section?
Yes, for four months from passing the first portion (live Requirements page Testing Changes Effective July 1, 2015, and the PSI bulletin). After four months both portions again. After both pass, 60 days to apply or the entire exam is voided.
What does the original hanging cost?
Live Fee Schedule: $130 if becoming an Active Agent, $120 if going directly into Inactive Status. 201 KAR 11:210 / KRS 324.287 still print $60 original + $60 recovery fund. Follow the live cart. PSI is a separate $100 to the vendor.
What CE and post-license apply?
PLE (licensed after January 1, 2016): 48 hours within two years of an active license — 32 named mandatory (Commission Compliance 3, Agency 6, Contracts 6, Finance 3, Advertising 3, Disclosure 3, Fair Housing 3, Technology & Data Security 3, Risk Management 2) plus 16 elective (live PLE page). Then 6 hours CE each calendar year by December 31 (3 law), and the Kentucky Core Course once every four years with no substitute. First two full education cycles after initial issuance are CE-exempt under 201 KAR 11:210 (those are the PLE years).
Does Indiana broker-entry waive Kentucky 96?
Not automatically. Live Reciprocal License page names Florida, Illinois, and Tennessee. The PSI bulletin (10/1/2023) still lists Ohio, Tennessee, West Virginia, or Florida. Confirm the live agreement before you skip the 96.
Where is the Commission and who seats the exam?
500 Mero Street 2NE09, Frankfort, KY 40601. (502) 564-7760. PPC.KREC@ky.gov. PSI (855) 746-8176, test-takers.psiexams.com/kyre. Testing sites on the live Candidate Testing page: Bowling Green, Lexington, Louisville, Maysville, Paducah, Somerset, plus Cincinnati, Cleveland, Columbus, Knoxville, Nashville.
What is scored Kentucky, not NAR trivia?
Seller Disclosure of Property Condition, condominium seller certificates, stigmatizing-factor disclosure, Education, Research, and Recovery Fund administration, escrow, unlicensed assistants, team/group management (broker-only), and the Kentucky Core Course. This paper cannot be renamed to Tennessee's affiliate broker or Indiana's broker-entry 90.
Fail three times?
201 KAR 11:210: after failing any required portion three times, wait at least 30 calendar days from the third fail before retaking or the score is void. That 30-day wait is the KAR, not a line on the live Candidate Testing page.
Inactive vs active?
Live Fee Schedule: inactive original $120, active $130. Terminating inactive $30. Inactive licensees who want to reactivate and have not taken Core in four years must take Core (201 KAR 11:210). ERP (extended reporting period) coverage is required to deactivate (KRS 324.395; scored on the state outline).

Primary Sources

Regulatory requirements on this page are drawn from the official board, statute, and exam-provider materials listed below.

  1. KREC Requirements for a Kentucky Real Estate License (96 hours / 6 credits; 336 / 21 with 48 brokerage management; 60-day apply; 4-month split)
  2. KREC Education (96-hour SA; 48-hour PLE; Core every 4 years; 336/21 broker; 144 elective; Form 207)
  3. KREC Candidate Testing ($100 PSI; FBI before scheduling; school code; sites)
  4. KREC Reciprocal License (live: Florida, Illinois, Tennessee)
  5. KREC Fee Schedule ($130 active / $120 inactive; broker upgrade $60; late $200; CE/CORE $1,000)
  6. KREC License Renewals (March 31 even years; 6-hour CE / 3 law; Core every 4 years)
  7. KREC Post-License Education (48 hours: 32 named mandatory + 16 elective)
  8. PSI Kentucky CIB bulletin 2312 (Updated 10/1/2023; $100; 80/150 min + 50/90 min at 75%)
  9. PSI Kentucky schedule
  10. 201 KAR 11:210 (FBI 90 days; $60+$60; Core; CE; PLE cancel)
  11. KRS 324.046 initial licensure hours and 24-month / 20-hour experience

Verified 2026-09-02  ·  Next scheduled review 2026-12-01