Becoming a Licensed Realtor in Kentucky | The Path to Success

Kentucky Realtor

In Kentucky, becoming a realtor can be an exciting and rewarding career endeavor. A realtor is a licensed professional representing buyers and sellers in real estate transactions. They often work under the supervision of brokers and are responsible for marketing properties, negotiating deals, and managing the transaction process. As a realtor, you can help people find their dream homes, navigate the complexities of the real estate market, and start an LLC in Kentucky.

However, before starting your journey to Becoming a Realtor in Kentucky, you must complete several steps to obtain your real estate license. This comprehensive guide will walk you through the entire process, so you can confidently begin your new career.

Webinarcare Editorial Team will help you gain knowledge through thorough research and market study. Before becoming a realtor in Kentucky, all the steps in this article must guide you.

What is a Realtor?

A realtor is a licensed real estate professional member of the National Association of Realtors (NAR) and adheres to their code of ethics. They may work as individuals, within a real estate brokerage, or as part of a limited liability company (LLC) or a corporation. Their services include representing buyers and sellers in real estate transactions, assisting with property management, and providing guidance on real estate investments, including rental properties.

The requirements to become a realtor in Kentucky may vary, but here are the general steps:

  1. Education: Complete the required pre-licensing real estate education courses. In Kentucky, this typically involves completing a certain number of hours of approved coursework.
  2. Examination: Pass the Kentucky-approved real estate licensing exam. The exam tests your knowledge of real estate laws, practices, and ethics. Study materials and exam preparation courses are available to help you succeed.
  3. Application: Submit a real estate license application to the Kentucky Real Estate Commission. This application includes documentation such as proof of education, exam results, background check, and fees.
  4. Background Check: Kentucky requires applicants to undergo a criminal background check. This usually involves providing fingerprints and consent for the background investigation.
  5. Join a Brokerage: Agents must work under a licensed real estate broker in Kentucky. Find a reputable brokerage that aligns with your career goals and values and provides new agents with the necessary support and mentorship.
  6. Membership: Consider joining the National Association of Realtors (NAR) and local real estate associations. Membership offers valuable resources, networking opportunities, and access to multiple listing services (MLS), simplifying clients’ buying and selling process.

It’s crucial to note that real estate licensing requirements can change, and it is recommended to check with the Kentucky Real Estate Commission for the most up-to-date and specific requirements.

Embarking on the journey to become a realtor in Kentucky is not simply about selling houses, it’s about building dreams, yours included. Take the leap and start an LLC. With every property you sell, you’re not just making a living; you’re creating a business that can evolve, grow, and create lasting success.


How to Become a Realtor in Kentucky

Suppose you’re considering becoming a realtor and want to form a professional corporation in Kentucky. In that case, it’s essential to understand the steps and requirements involved in obtaining your license and starting your professional journey. This step-by-step guide will walk you through the entire process of becoming a realtor, from understanding the requirements to choosing a brokerage.

Step 1: Understand The Requirements

Before becoming a realtor in Kentucky, you must understand the requirements to obtain your Kentucky real estate license. Kentucky has unique requirements, so it’s crucial to familiarize yourself with the specific rules and regulations. In general, to become a realtor in Kentucky, you must:

  • Be at least 18 years old.
  • Have a high school diploma or equivalent
  • Complete the required pre-license education
  • Pass the Kentucky real estate licensing exam
  • Submit your application and fees to the Kentucky real estate commission
  • Complete a background check
  • Obtain Errors & Omissions (E&O) insurance

It’s important to note that Kentucky may have additional requirements or prerequisites to become a licensed realtor. Check with the Kentucky real estate commission for the most up-to-date information.

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Step 2: Complete Pre-License Education

To become a realtor in Kentucky, you must fulfill Kentucky pre-license education requirements. Typically, this involves completing a certain number of hours of coursework from an approved real estate school. The curriculum usually covers real estate principles, practices, and laws specific to Kentucky.

When choosing a real estate school, ensuring the Kentucky real estate commission approves them is important. Many schools offer online and in-person courses, so consider your learning preferences when selecting a program. Additionally, consider the school’s reputation and course pass rates, as this can indicate the quality of their instruction. However, you can still enroll in real estate courses before your licensing exam. Here are the real estate courses and schools in Kentucky.

  • Kentucky Real Estate College, Real Estate Express, and The CE Shop

Step 3: Pass The Real Estate Licensing Exam

After completing the required pre-license education, the next step is to pass the Kentucky real estate licensing exam. The exam typically consists of two parts: a national portion that covers general real estate principles and a specific portion that covers Kentucky real estate laws and regulations.

To prepare for the exam, consider using study materials and practice exams provided by your pre-license education provider. Additionally, seek out other resources, such as online practice tests and exam prep books, to ensure you’re well-prepared for the test.

On exam day, bring the required identification and any necessary materials. Remember to arrive early to allow for any registration processes, and be prepared to spend several hours at the testing center. Once you’ve completed the exam, you will receive your results. If you pass, you can move on to the next step in the licensing process. If you don’t pass, don’t be discouraged. Kentucky allows multiple attempts, so take the time to review the areas where you struggled and retake the exam when ready. The exam fee is $100.

Make sure to pass the first attempt of the licensing exam.

Step 4: Submit Your Application and Fees

After passing the Kentucky real estate licensing exam, you must submit your license application and fees to the Kentucky real estate commission. The application typically requires you to provide information about your education, exam results, and background check. Be sure to complete the application accurately and thoroughly, as any discrepancies or omissions may delay the processing of your license.

The licensing fee in Kentucky costs $110. However, there are additional costs associated with processing your background check. Review the fee schedule for Kentucky and ensure you submit the correct amount with your application.

Step 5: Complete a Background Check

You must complete a background check as part of the licensing process in Kentucky. This ensures you meet the moral character requirements of the Kentucky real estate commission. The background check typically involves submitting your fingerprints and any necessary forms to the appropriate agency for processing.

Review the guidelines for Kentucky and follow the instructions to ensure your background check is completed accurately and efficiently.

Step 6: Obtain Errors & Omissions (E&O) Insurance

Obtaining Errors & Omissions (E&O) Insurance is required to obtain your real estate license in Kentucky. E&O insurance is a type of professional liability insurance that protects realtors from claims related to mistakes or negligence in their professional services.

If E&O insurance is required in Kentucky, research and select a policy that meets the state’s requirements before submitting your license application. Even if it’s not a requirement in Kentucky, it’s still a good idea to consider obtaining E&O insurance to protect yourself and your business—the costs of obtaining E&O insurance range from $500 to $1,500 per year.

Step 7: Choose a Brokerage and Start Your Career

Once you’ve obtained your Kentucky real estate license, the final step is to choose a brokerage to work under. A brokerage is a real estate firm that employs licensed agents and brokers. As a new realtor, you’ll work under the supervision of a broker who can provide guidance, support, and resources to help you succeed in your new career.

When choosing a brokerage, consider its reputation, commission structure, training and support programs, and company culture. Selecting a brokerage that aligns with your professional goals and provides an environment where you can thrive is essential. You can also find ways to become a realtor by starting a rental property LLC in Kentucky.

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Step 8: Pursue NAR membership

Join the National Association of Realtors to become a realtor. Find your local real estate association and confirm the membership criteria, including an application and an annual fee. If you join NAR, you can enroll in continuing education and other professional courses. You can also access market data and services to help you be more efficient as a realtor.


Average Income of a Realtor in Kentucky

The average income for a realtor in Kentucky varies depending on experience, location, and market conditions. Still, according to the Bureau of Labor Statistics, the median annual wage for a realtor in Kentucky is around $47,000.


How do I become a realtor in Kentucky?
To become a realtor in Kentucky, you must complete the necessary education, pass the exam, and find a broker to work for.
Is a background check required to become a licensed realtor in Kentucky?
Yes, the Kentucky Real Estate Commission requires that applicants undergo a criminal background check as part of the licensing application process.
How old do you have to be to become a realtor in Kentucky?
Applicants for a real estate license in Kentucky must be at least 18 years old.
How long does it take to become a realtor in Kentucky?
The time it takes to become a realtor in Kentucky depends on each person’s schedule; while some get licensed within months, some may take up to a year to get all required education completed and pass the exam.
What kind of education is required to become a realtor in Kentucky?
Kentucky requires applicants to take 96 hours of pre-license education – 48 hours each of Kentucky Real Estate Principles and Practices and Real Estate Law, & 6 hours of Kentucky Contracts, and 42 hours of Continuing Education over their first three years.
Is reciprocity an option for those licensed in other states?
Kentucky has mutual recognition or reciprocity agreements only with Ohio, Louisiana and South Dakota. Otherwise, applicants already licensed in different states should go through the regular licensing process.
What is the cost to become a licensed realtor in Kentucky?
The cost for the required pre-licensing education is around $500 to $700. Then, Kentucky requires a $10 applicant fee, a $60 Renewal Licensing fee, and another $20 occurrence fee or $40 broker fee when renewing.
Do I need any experience working in real estate to become a realtor in Kentucky?
No, prior experience in the real estate industry in Kentucky is not required to obtain a real estate sales license.
What score do I need to pass the licensing exam in Kentucky?
To pass the real estate licensing exam in Kentucky, you must obtain a score of 75% or better.
Are there any character requirements to become a realtor in Kentucky?
Yes, the Kentucky Real Estate Commission carries out a full background check and investigates a prospective licensee’s trustworthiness and moral character.
Does Kentucky require continuing education for real estate agents?
Yes, due biannually, licensees are required to complete 6 hours of firm-management, sales preelective courses inside their first three years and an additional six biennially afterward. The 6-hour Core Course Schedule lists federal, civil rights, & trust accounting property management related subject matter.
What is the Kentucky Real Estate Commission?
The Kentucky Real Estate Commission is an entity that regulates the real estate industry in Kentucky, providing oversight of all the candidates, agents, and brokers along with educational and enforcement authority.
What is the minimum passing score for the real estate licensing exam in Kentucky?
The minimum passing score for the real estate licensing exam in Kentucky is 75%.
Can I take the real estate licensing exam online in Kentucky?
No, the exam cannot be taken online currently in Kentucky and will have to be scheduled and taken in person.
Can convicted felons become licensed realtors in Kentucky?
The Kentucky Real Estate Commission reviews applicants from any background equally, including felons, on a case-by-case basis and will examine each in the context of facts and circumstances surrounding the offense.
Can I become a realtor in Kentucky if I live in another state?
Yes, you can become a realtor in Kentucky as an out of state resident, but it is better you speak with a specialist or KY – based broker to acquire expertise.
What is the percentage of exam retakes for making it through the real estate licensing examination in Kentucky?
Approximately half of all of the test-takers fail on the first attempt. However, the study materials and practice exams help, and several candidates choose to retake it.
How much commission do real estate agents make in Kentucky?
Real estate agents in Kentucky typically make a commission rate equivalent to 3% of the final sale price of a property. The commission can vary in a different format, but 3% is the most commonly utilized.
Can I take the required pre-license education online in Kentucky?
Yes, a recognized KY-based online as well as classroom pre-license education provider will help you accomplish the required 96 hours of education.
How long does a real estate license last in Kentucky?
A Kentucky real estate license is active for two years from the month it was awarded and must be renewed biennially having had fulfilled Continuing Education requirements.
What factors affect how much money a realtor makes in Kentucky?
In Kentucky, a realtor’s earnings depend primarily on how frequently they are involved in transactions as successfully listing and selling properties may contribute to their regular clientele& commission amounts.
What types of properties can realtors sell in Kentucky?
To legally list/sell more than one kind of property, agents statewide need a REALTOR® license. You can buy and sell only quasi real goods like Sectioned housing, personal facilities, automobiles or bank estate sales as licensed Sales Agent Agent/Brokers not subject to REALTOR® policy directly.
Can applicants for a Kentucky real estate license take the required courses and exam in a different order than usual?
No, Kentucky mandates individuals to finish the required pre-licensing course working before-hand the proctored licensing exam.
Is it mandatory for applicants for a real estate license in Kentucky to find a broker sponsor?
Yes, applicants for a real estate license in Kentucky must find a broker sponsor before getting licensed.
What is the total number of continuing education hours required for Kentucky real estate licensees?
Six hours of electives within either Property or Non-property sectors, plus a three-hour diversity course, making nine mandatory hours of CE required per year.
Does it matter where I take the required pre-license education in Kentucky?
No, you may take the required pre-license education at any school accredited by the Kentucky Real Estate Commission.
Does Kentucky have any unique requirements that Arkansas and Illinois do not in regards to getting licensed?
Witnessed initially by three or four agents or broker a 55 page criminal record check must be filed, a possible applicant needs to turnover $416 application fee, and it takes from 7-10 days to allow for fingerprints-Aside from these differences KY shares fairly lenient prerequisites involved in becoming realtors across Illinois & Arkansas.
Do Kentucky real estate agents get paid hourly or by commission only?
For the majority of cases, Wisconsin real estate agents and brokers make money through traditional big commercial, commission, recognizing 3% of the type of fee when doing real estate brokerage business.
What is the minimum age requirement to become a realtor in Kentucky?
18 years old.
What is the education requirement to become a realtor in Kentucky?
Completion of 96 hours of approved real estate education.
How many times can I retake the Kentucky real estate licensure exam if I fail?
You may take the exam three times before additional education is required.
Can I take the Kentucky real estate licensure exam online?
No, the exam must be taken in person at a testing center.
Is a college degree required to become a realtor in Kentucky?
No, but some employers may prefer candidates with a business or real estate degree.
Can I complete the required 96 hours of real estate education online?
Yes, some schools and providers offer online real estate courses.
How much does it cost to become a realtor in Kentucky?
The application fee is $80, and the exam fee is $100.
Is there a background check required to become a realtor in Kentucky?
Yes, a criminal background check is mandatory before obtaining a license.
What is the renewal process for a real estate license in Kentucky?
Renewal is required every two years with continuing education requirements.
Can I transfer my real estate license from another state to Kentucky?
Yes, if the state has reciprocity with Kentucky.
What are the ongoing fees associated with maintaining a real estate license in Kentucky?
The renewal fee is $120 every two years.
Can I be a part-time realtor in Kentucky?
Yes, as long as you comply with the ethical code and licensing laws.
What kind of jobs are available in real estate besides being a realtor?
Real estate appraiser, property manager, title agent are some of the options available.
Is Kentucky a good state to be a realtor in?
It can be a good market, with high commission rates and a growing population in some areas.
How do I find a real estate brokerage to work for in Kentucky?
Research and compare different companies, attend job fairs or career events, and network with professionals.
What skills and traits are important to having success as a realtor in Kentucky?
Communication skills, marketing proficiency, patience, integrity, and tenacity.
What is the first step to take before applying for a real estate license in Kentucky?
Choose a provider and complete the 96 hours of education.
Do I need to become a member of the National Association of Realtors in Kentucky?
No, but many do because of the benefits and resources it provides.
How competitive is the Kentucky real estate market?
It depends on the area you plan to work in. Urban areas can be competitive and filled with experienced realtors, while rural areas may be easier to break into.
How long does the real estate license process usually take in Kentucky?
The process can take 4-6 months, depending on how efficiently the candidate completes the steps.
Can I own my real estate brokerage in Kentucky?
Yes, you first must obtain a broker’s license and have experience.
What is the average real estate commission rate in Kentucky?
The average commission rate in Kentucky is around 6% split between the buying and selling agents.
What kind of marketing practices are allowed in Kentucky for real estate agents?
Different marketable content and social media, as long as they adhere to advertising regulations.
What do I need to do after obtaining a real estate license in Kentucky to start selling?
You need to affiliate with a licensed Kentucky real estate broker before engaging with consumers.
What happens if I violate real estate law in Kentucky?
Disciplinary actions can occur, potentially leading to license suspension or revocation.
As a real estate agent in Kentucky, am I an independent contractor or an employee?
Many agents are independent contractors.
Are people required to have a real estate broker when making a real estate transaction in Kentucky?
No, but having a real estate agent representing you is highly recommended.
Can a real estate license be suspended or revoked permanently in Kentucky?
Yes, license cancelation and restriction permanently is possible.
How can I protect myself legally as a real estate agent in Kentucky?
Having professional liability insurance and implementing ethical and transparent business practices are crucial.

Also Read

How to Save Money While Starting a Becoming Realtor in Kentucky

One of the first areas where new real estate agents can save money is in the licensing process. While getting licensed is a necessary step to start practicing in the state of Kentucky, there are ways to minimize the expenses involved. Researching different licensing programs and schools can help find more affordable options. Online courses are often cheaper than traditional in-person classes and offer flexibility to study at your own pace. Additionally, some real estate brokerages may offer reimbursement or assistance with the cost of obtaining a license, so it’s worth exploring these options before committing to a program.

Once licensed, the next challenge for new real estate agents is establishing a presence and finding clients. Marketing expenses can quickly eat into a limited budget, so it’s important to focus on cost-effective strategies. Leveraging social media platforms and building a strong online presence can be a powerful tool for reaching potential clients without breaking the bank. Engaging with local community groups and networking events can also help establish relationships and generate leads without the need for expensive advertising.

Another way new real estate agents can save money is by carefully considering their business expenses. Renting office space can be a significant cost for agents just starting out, so it may be more economical to work from a home office or shared workspace. Technology has made it easier than ever to conduct business remotely, so investing in a reliable laptop, smartphone, and a high-speed internet connection can help save on overhead costs. It’s also important to track expenses and set a budget to ensure that every dollar is being spent wisely.

As new real estate agents navigate the challenges of starting their career in Kentucky, it’s important to remember that success doesn’t have to come with a hefty price tag. By being proactive in seeking out affordable licensing options, implementing creative marketing strategies, and keeping a close eye on expenses, aspiring realtors can start their journey in the industry without breaking the bank. With determination, a frugal mindset, and a passion for helping clients find their dream homes, the sky’s the limit for those looking to make their mark in the competitive world of real estate.


Becoming a realtor in Kentucky is a rewarding career choice that offers flexibility, the potential for financial success, and the opportunity to help people navigate the complex world of real estate. Following the steps outlined in this guide and dedicating yourself to learning and growth, you can embark on a successful and fulfilling career as a realtor in Kentucky.

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