Free Kentucky Real Estate Practice Exam 2026
Ten questions at a time, drawn from 2,195 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.
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 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.
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
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.
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 exam on this page is free and needs no account. Each question shows the correct answer and an explanation as soon as you answer it. A free account lifts the daily limit and keeps your history.
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?
Yes. Our Kentucky bank holds 394 state-portion questions alongside 1,801 national ones, and the practice exam draws from both — the same mix the real exam uses.
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.