Here is a step-by-step guide to applying for a Kentucky real estate agent (sales associate) license through the Kentucky Real Estate Commission (KREC):
1. Confirm Eligibility
Before starting the process, you must meet these basic requirements:
- Be at least 18 years old
- Have a high school diploma or GED
- Be lawfully present and authorized to work in the U.S.
2. Complete Required Pre-Licensing Education
Kentucky requires one of the following before you can sit for the licensing exam:
- 96 classroom hours of real estate pre-license education from a KREC-approved provider, or
- Six (6) semester credit hours in real estate from an accredited college or university
You must complete this education before scheduling the licensing exam.
Tip: Many providers offer these courses online or in person.
3. Initiate the Criminal Background Check
Kentucky requires a national criminal history check (often including fingerprinting) before taking the licensing exam.
- Your background check must be initiated and submitted so that the results are on file when you schedule your exam
- Background reports are valid for a limited period (often 90 days)
4. Schedule & Pass the Kentucky Licensing Exam
Once education and the background check are complete:
- Schedule your exam through PSI Examination Services
- The exam consists of national and Kentucky-specific portions. You must pass both
- A common passing score is at least 75%
Prepare using practice tests and study materials that align with the Kentucky exam topics.
5. Submit Your License Application
After passing the exam:
You have 60 days to submit your application package to KREC.
Application methods
You can typically apply online or by mail, depending on the instructions you receive after exam passage.
What to include
- Completed application form
- Certificate of completion from your pre-licensing education
- Proof of high school diploma or GED
- Evidence of passing the licensing exam
- Documentation of your criminal background check
- Payment of required fees
- Errors & Omissions (E&O) insurance coverage documentation, if required at application or shortly after licensing
6. Affiliate with a Sponsoring Broker
To activate your license:
- You must affiliate with a licensed Kentucky real estate broker
You may apply for an inactive license first and then activate it once you secure a brokerage and E&O insurance.
7. Maintain and Renew Your License
Once licensed:
- Complete any required post-licensing education
- Renew your license on schedule and complete continuing education as required
Additional Notes
- If you already hold a real estate license in another state, Kentucky may offer reciprocity under specific conditions
- Costs vary (education, exam, application, background check, insurance)
Where to Begin
Start by visiting the Kentucky Real Estate Commission (KREC) website and look for “Apply for a License” and the list of approved education providers.