Kentucky Real Estate Exam Prep & Study Guide
What the Kentucky exam actually asks, in the order worth studying it. The weightings below are not an estimate — they are each subject's share of the 2,195 Kentucky questions in our bank.
Questions
130
Time limit
240 min
To pass
75%
Exam fee
$100
Source: KREC candidate handbook. Salesperson licence.
What to study first for the Kentucky exam
Ordered by how many questions sit behind each subject. Studying front to back spends the same hours on a subject worth 7% as on one worth 15%.
- 115%331 questions
Practice of Real Estate
- 211%246 questions
Contracts
- 311%243 questions
Financing
- 411%240 questions
Property Ownership
- 510%226 questions
General Principles of Agency
- 69%199 questions
Real Estate Math
- 77%151 questions
Property Disclosures
- 87%149 questions
Valuation Market Analysis
The Kentucky state portion, subject by subject
KY-specific law is where out-of-state study material stops helping. These are the subjects our bank covers, with real questions under each.
General Principles of Agency
226 questions- Without prior permission, Quinn Brooks signs a small repair authorization on behalf of the owner. The owner later approv…
- A buyer under a buyer-representation agreement receives an earnest money refund after a failed deal. The agent deposits …
- A buyer representation agreement should specify:
- Jamie Cruz signs a listing agreement with Skyler Simmons. In the resulting sale, whose interests does the listing broker…
Property Disclosures
151 questions- A 1978 ranch home is on the market. During inspection, the buyer's environmental specialist samples the wall insulation …
- Which of the following is NOT a hidden condition?
- A Transfer Disclosure Statement (TDS) must be provided by:
- The purpose of the Closing Disclosure under TILA-RESPA is to:
Valuation Market Analysis
149 questions- In October 2026, appraiser Caleb Moore is reviewing an income statement for Oak Place. The property's NOI is $67,500, th…
- Under USPAP, what is the purpose of the Competency Rule?
- An example of functional obsolescence is:
- In August 2026, appraiser Omar Lewis is valuing a small retail strip. Potential gross income is $96,000, vacancy and col…
Land Use Controls Regulations
128 questions- A homebuyer purchases a lot in a planned community. The deed references a recorded declaration of covenants, conditions,…
- A board of adjustment is reviewing an owner's request for relief from a zoning ordinance. All of the following are commo…
- A homeowner in an HOA community wants to install solar panels on her roof. The CC&Rs do not address solar panels. The HO…
- Seeking an exemption from zoning requirements requires a:
Transfer of Property
114 questions- Under TRID rules, the lender must deliver the Closing Disclosure to the borrower at least how many business days before …
- A deed is properly recorded in the county records before a later purchaser checks title. Even if the later purchaser nev…
- At closing, the seller's existing mortgage balance of $185,000 must be paid off from the sale proceeds. On the seller's …
- An attorney examining the abstract of title discovers a gap in the chain where a deed from 1952 does not match the grant…
Agency
47 questions- Broker Williams operates a real estate office in Louisville, Kentucky. Agent Chen in his office represents the seller of…
- Under Kentucky law, which of the following best distinguishes a designated agent from a dual agent in an in-house transa…
- Broker Henderson's office in Lexington, Kentucky has Agent Foster representing seller Green on a home listed at $350,000…
- Which types of agency relationships does Kentucky recognize?
Valuation
10 questions- Harold owns a home in Louisville and is concerned that his property has been over-assessed by the county property valuat…
- Margaret is a 68-year-old homeowner in Lexington who recently learned about a property tax benefit available to seniors …
- During a listing presentation in Elizabethtown, Kentucky, a seller tells her agent that she is exempt from paying proper…
- Patricia is a licensed real estate agent in Kentucky helping a client purchase a home. The client asks Patricia to expla…
Mandated Disclosures
10 questions- Marcus, a licensed Kentucky sales associate, is representing a buyer purchasing a home. During a walkthrough, Marcus per…
- Two co-owners of a Kentucky investment property, James and Derek, decide that James will buy out Derek's ownership inter…
- A builder in Bowling Green, Kentucky, is selling a newly constructed home and provides the buyer with a one-year builder…
- A Kentucky homeowner, Patricia, is selling her primary residence and has listed it 'as-is.' She believes that because sh…
Counts are live from the Kentucky question bank, which mixes the national portion with Kentucky-specific law.
The national portion, subject by subject
Shared with every other state exam, and usually the larger half of the paper.
Practice of Real Estate
331 questions- In Kentucky, a licensee appointment or vacancy must be filled. Which statement is correct?
- For the Kentucky state portion, how should a candidate analyze an affiliated licensee terminates affiliation with the pr…
- Kentucky fair housing covers:
- The Kentucky Real Estate Commission (KREC) is the regulatory body that oversees real estate licensing in the state. Whic…
Contracts
246 questions- After a property inspection reveals minor cosmetic issues, the buyer demands $20,000 in credits. The seller refuses, and…
- A buyer wants to demonstrate serious intent when submitting an offer. What financial deposit typically accompanies the o…
- Under a traditional contract for deed, what risk does the buyer face if the seller has an existing mortgage on the prope…
- Under a contract for deed, the buyer defaults after making five years of payments. In some jurisdictions, what protectio…
Financing
243 questions- A buyer wants to purchase a home but cannot qualify for a conventional loan. The seller agrees to carry the entire purch…
- During the annual escrow analysis on Priya's loan, the servicer wants to maintain an escrow cushion equal to three month…
- Before the scheduled foreclosure sale, Lena Howard pays the past-due installments, late fees, and allowed expenses so th…
- Lena Chen is buying a home for $350,000 and is making a 20% down payment. Her lender will charge 2 discount points on th…
Property Ownership
240 questions- A roofing contractor replaced shingles on a home for $18,400, but the owner refused to pay. After following the required…
- A Kentucky real estate instructor is teaching a class on the requirements for a valid deed in Kentucky. She explains tha…
- Emma owns only a life estate in a rural tract, with title to pass to her nephew at Emma's death. Without the nephew's co…
- In February 2026, title examiner Rachel noticed that a metes and bounds description ended at a different point than wher…
Real Estate Math
199 questions- A county charges $40 to record the first page of a deed and $7 for each additional page. If a deed is 3 pages long, what…
- A property sells for $300,000 with a 6% commission split equally between the listing broker and the selling broker. The …
- A buyer is purchasing a property for $450,000 with an 80% LTV loan. Buyer closing costs are $9,500, the earnest money de…
- A transfer tax is charged at $1.00 per $500 of sale price (rounded up to the nearest $500). If the property sells for $3…
Leasing & Property Management
97 questions- A Kentucky licensee encounters the principal broker pays property expenses. What should the licensee remember?
- A written apartment lease begins on July 1 and ends on June 30 of the following year with no need for notice to terminat…
- A property management agreement authorizes the manager to spend up to $500 on emergency repairs without prior owner appr…
- A property manager deposits tenant security deposits into the manager's personal checking account and uses the funds to …
Counts are live from the Kentucky question bank, which mixes the national portion with Kentucky-specific law.
Studying for the Kentucky exam
How long should I study for the Kentucky real estate exam?
Most candidates need four to eight weeks alongside a job. Working every Kentucky question in our bank at a realistic 30 questions an hour is roughly 73 hours — but the useful measure is not hours, it is whether your practice scores sit above the pass mark on questions you have not seen before.
What is on the Kentucky real estate exam?
Two portions. The national portion covers principles every state shares. The KY portion covers Kentucky law — in our bank that is General Principles of Agency, Property Disclosures, Valuation Market Analysis, Land Use Controls Regulations and more.
Which Kentucky topic should I study first?
Practice of Real Estate carries the most questions in our Kentucky bank (331, about 15% of it), so it is the highest-leverage place to start. After that, work down the list below rather than studying front to back.
Is a Kentucky exam prep course required?
Pre-licensing education is required by KREC; exam prep is not. They are different purchases and people often conflate them — the course satisfies the legal hours, prep is practice on questions. Check the current requirement in the KREC handbook before buying either.
Kentucky practice exam
Ten questions with explanations, free, no account.
Full-length mock exam
Timed and scored against the real pass mark.
Exam-day checklist
What to bring, what to expect, what disqualifies you.