How to Get Licensed in Kentucky if You Already Have an Ohio Real Estate License

If you're an Ohio-licensed real estate agent aiming to expand your business into Kentucky, you're in luck. Kentucky and Ohio have a reciprocal licensing agreement that simplifies the process, allowing you to obtain a Kentucky real estate license without starting from scratch. This guide will walk you through the steps, requirements, and resources needed to secure your Kentucky license efficiently. 

Why Pursue a Kentucky Real Estate License?  

Expanding your licensure to Kentucky offers several advantages: 

• Broader Client Base: Access to clients on both sides of the Ohio River. 
• Increased Listings: More opportunities for property listings and sales. 
• Market Flexibility: Ability to operate in diverse markets, enhancing your experience and income potential. 

Given the proximity of Ohio and Kentucky, holding licenses in both states can significantly benefit your real estate career. 

2024 Ohio Law Change and Explanation of Changes in 2025 

In 2024, an Ohio law change went into effect that disallowed the Ohio-Kentucky Reciprocity Agreement that was in place for real estate licensees.  Ohio changed their occupational license reciprocity rules and moved to a recognition statute allowing Kentucky real estate licensees to get their Ohio license by only having to pass the state portion of the real estate exam.  This however left Ohio licensees having to complete the full 96-hour Kentucky course and exam to get a Kentucky real estate license. 

After months of long discussions with each Commission, Ohio and Kentucky entered into a memorandum of understanding and reinstated the education and exam requirements for Ohio licensees.  As of April 2025, an Ohio real estate licensee must take the 40-hour Kentucky Law course and pass the Kentucky portion of the licensing exam.  For a full list of requirements and step-by-step instructions, continue reading.  

Kentucky Real Estate License Reciprocity Requirements  

To obtain a Kentucky real estate license through reciprocity, you must: 

1. Active Ohio License: Salespersons must hold an active Ohio real estate license for at least one year immediately preceding your application. Brokers must hold an active Ohio real estate license for at least two years immediately preceding your application. 
2. Complete a 40-Hour Kentucky Reciprocal License Law Course: This course covers Kentucky-specific real estate laws and can be completed online through approved providers. 
3. Pass the Course Final Exam: Achieve a minimum score of 75% on a proctored final exam. 
4. Submit Fingerprints for a National Criminal Background Check: This is a mandatory step before registering for the licensing exam. 
5. Obtain a Letter of Good Standing: Request this from the Ohio Division of Real Estate & Professional Licensing , verifying your active license status. 
6. Pass the Kentucky State Portion of the Licensing Exam: Register through PSI and pass the 50-question state-specific exam with at least a 75% score. 
7. Affiliate with a Kentucky-Registered Broker: You must be sponsored by a broker licensed in Kentucky. 
8. Submit Your License Application: Apply to the Kentucky Real Estate Commission (KREC), including all required documentation and fees. This application will be given to you after passing the licensing exam. 

Step-by-Step Guide to Obtaining Your Kentucky License 

1. Enroll in the 40-Hour Kentucky Reciprocal License Law Course  

Choose a KREC-approved education provider to complete the required course. Many providers offer flexible online options to accommodate your schedule. 

2. Pass the Course Final Exam 

After completing the course, you'll need to pass a proctored final exam with a score of at least 75%. This exam ensures your understanding of Kentucky-specific real estate laws. 

3. Submit Fingerprints for a Background Check 

Schedule a fingerprinting appointment through the Kentucky State Police or an approved vendor. The background check is valid for 90 days, so plan accordingly. 

4. Request a Letter of Good Standing from Ohio 

Contact the Ohio Division of Real Estate & Professional Licensing to obtain a letter verifying your active license status. This document should be sent directly to KREC. 

5. Register for and Pass the Kentucky State Exam  

Register for the state portion of the licensing exam through PSI. The exam consists of 50 multiple-choice questions, and a passing score is 75% or higher. 

6. Affiliate with a Kentucky-Registered Broker  

Before applying for your license, you must be affiliated with a broker licensed in Kentucky. This broker will sponsor your application and hold your license. 

7. Submit Your License Application  

Apply for your Kentucky real estate license through KREC's online portal or by mail. Include all required documents, such as your course completion certificate, exam results, background check, letter of good standing, and proof of errors and omissions insurance.   

Additional Considerations  

• Timeline: Ensure you submit your application within 60 days of passing the licensing exam. 
• Errors and Omissions Insurance: You must obtain this insurance before your license can be activated. 
• Continuing Education: Stay informed about Kentucky's post-licensing and continuing education requirements to maintain your license in good standing.