Free Kentucky (KY) Real Estate Practice Exam 2026
Ten questions at a time, drawn from 2,192 Kentucky salesperson questions — the KY state portion and the national portion, the same mix the real exam uses. Every answer comes with an explanation.
Questions
130
Time limit
240 min
To pass
75%
Source: KREC candidate handbook. Salesperson licence.
Turn a practice result into your next study session.
This short Kentucky sample helps you spot topics to review. Create an account to continue in your study dashboard. Practice scores are not a guarantee of an exam result; full-bank access depends on your plan.
- The complete Kentucky question bank, state portion included
- Full-length timed mock exams scored against the real pass mark
- Review available practice options in your dashboard
What the Kentucky state portion tests
These are the KY-specific subjects in our bank, with the number of questions behind each one. They are what separates the Kentucky exam from every other state's.
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 broker Skyler Simmons. What role does Simmons's brokerage hold in the resultin…
Valuation Market Analysis
151 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…
Property Disclosures
150 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?
- In a state that requires a written disclosure of a home's condition to the buyer, the disclosure form is filled out by:
- The purpose of the Closing Disclosure under TILA-RESPA is to:
Land Use Controls Regulations
133 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…
- Permission to depart from a requirement of the zoning ordinance for a single parcel is obtained through 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.
What the national portion tests
Every state exam shares this half. The questions below are the same ones a candidate in any state would see.
Practice of Real Estate
333 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…
Financing
244 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…
Contracts
242 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…
Property Ownership
232 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
203 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
93 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.
About 55% pass the Kentucky exam first time
Which means roughly 45 in 100 do not, and pay to sit it again. The gap is rarely knowledge — it is untimed studying meeting a timed exam. See how every state compares.
Kentucky practice exam questions
Is this Kentucky real estate practice exam free?
Yes. The practice sample on this page needs no account. Each question shows the correct answer and an explanation after you answer it. Create an account to continue in the dashboard; access limits and additional features depend on your plan.
How many questions are on the real Kentucky exam?
130 scored questions, with 240 minutes to answer them and 75% needed to pass. KREC publishes the current figures in its candidate handbook.
Does the practice exam cover Kentucky state law?
Our Kentucky bank holds 394 state-portion questions alongside 1,798 national ones. A short practice set is a sample, not a reproduction of the official exam blueprint.
Is this the same as a Kentucky real estate practice test?
Yes — practice exam, practice test and test questions all mean the same thing here. The KY questions on this page are the same bank either way, drawn from the state portion and the national portion together.
Are there Kentucky real estate exam questions in PDF form?
Yes, as a study guide rather than a question dump: the Kentucky exam guide PDF covers the format, the passing score and what the KY state portion tests. The questions themselves stay on this page, because each one shows why the wrong options are wrong — which a printed answer key cannot do.
How hard is the Kentucky real estate exam?
Hard enough that most candidates who fail did not run out of knowledge, they ran out of practice: you need 75% across 130 questions in 240 minutes, with no time to reason slowly. The questions are not tricky so much as specific — they test whether you know which rule applies, not whether you have heard of it.
Are Kentucky real estate flashcards better than practice questions?
They do different jobs. Flashcards drill vocabulary and figures — the things you either know or do not. Practice questions test whether you can pick the right rule when a situation could plausibly fit two of them, which is what the exam actually asks. Most candidates need both, and running out of practice questions is the more common failure.
What score should I get before booking the Kentucky exam?
Aim to sit comfortably above 75% on full-length practice, not just at it. Exam-day nerves and unfamiliar wording cost most candidates a few points, so a practice average that only just clears the line usually is not enough.
Kentucky exam prep
A study plan built from the same outline, weighted by what the exam actually asks.
Full-length mock exam
Timed, full length, scored against the real pass mark.
Kentucky licence guide
Requirements, fees, schedule and how to apply.