Maryland Real Estate Exam Prep & Study Guide
What the Maryland exam actually asks, in the order worth studying it. The weightings below are not an estimate — they are each subject's share of the 2,340 Maryland questions in our bank.
Questions
110
Time limit
120 min
To pass
70%
Exam fee
$44
Source: MREC candidate handbook. Salesperson licence.
What to study first for the Maryland exam
Ordered by how many questions sit behind each subject. Studying front to back spends the same hours on a subject worth 6% as on one worth 15%.
- 115%356 questions
Practice of Real Estate
- 212%279 questions
Contracts
- 311%265 questions
Financing
- 411%255 questions
Property Ownership
- 510%226 questions
General Principles of Agency
- 69%199 questions
Real Estate Math
- 76%151 questions
Property Disclosures
- 86%149 questions
Valuation Market Analysis
The Maryland state portion, subject by subject
MD-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
83 questions- Under Maryland's dual agency consent requirements, which of the following statements is NOT accurate?
- Under Maryland law, which of the following is NOT a required element of the written Disclosure of Brokerage Relationship…
- Agent Maria works for Chesapeake Realty and has been representing seller Tom for two months. A buyer, Linda, approaches …
- Under Maryland law, which of the following statements correctly describes the difference between dual agency and intra-c…
Valuation
25 questions- Maria received her SDAT reassessment notice showing her home's value increased from $300,000 to $390,000. Under Maryland…
- At a Maryland settlement, the buyer qualifies as a first-time homebuyer purchasing a $400,000 principal residence. The c…
- What is the standard Maryland state transfer tax rate applied to the consideration in a typical residential real estate …
- Thomas purchased a home in Harford County in 2019 and received the Homestead Tax Credit. In 2023, he married and his spo…
Mandated Disclosures
25 questions- A buyer, Michael, is purchasing a home governed by a homeowners association (HOA) in Howard County, Maryland. The seller…
- A licensed Maryland salesperson, Rachel, is holding an open house for a listed property. During the open house, a prospe…
- Patricia is purchasing a condominium unit in a Maryland condominium community. The seller provides Patricia with the req…
- A developer proposes to build a new residential subdivision on land located 800 feet from a tidal creek that flows into …
Counts are live from the Maryland question bank, which mixes the national portion with Maryland-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
356 questions- A landlord in Annapolis tells a prospective tenant that the apartment has already been rented, when in fact it is still …
- Maryland has how many additional state protected classes beyond federal?
- A broker uses cloud-based transaction management software to store all transaction files, including contracts, disclosur…
- A Maryland licensed broker wants to advertise her brokerage's services using the phrase 'Guaranteed Sale Program — If we…
Contracts
279 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
265 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
255 questions- A roofing contractor replaced shingles on a home for $18,400, but the owner refused to pay. After following the required…
- 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…
- In June 2026, Jared sold the oil and gas rights under his ranch to Mesa Energy but kept the surface estate. After record…
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
80 questions- 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 …
- All of the following are landlord-tenant law concepts EXCEPT
Counts are live from the Maryland question bank, which mixes the national portion with Maryland-specific law.
Studying for the Maryland exam
How long should I study for the Maryland real estate exam?
Most candidates need four to eight weeks alongside a job. Working every Maryland question in our bank at a realistic 30 questions an hour is roughly 78 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 Maryland real estate exam?
Two portions. The national portion covers principles every state shares. The MD portion covers Maryland law — in our bank that is General Principles of Agency, Property Disclosures, Valuation Market Analysis, Land Use Controls Regulations and more.
Which Maryland topic should I study first?
Practice of Real Estate carries the most questions in our Maryland bank (356, 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 Maryland exam prep course required?
Pre-licensing education is required by MREC; 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 MREC handbook before buying either.
Maryland 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.