Why Get a Kentucky Real Estate License if You’re Already Licensed in Ohio?
Becoming licensed in both Ohio and Kentucky allows you to:
- Grow Your Client Base: Serve buyers and sellers on both sides of the Ohio River.
- Increase Your Income Potential: Access more listings and close more deals.
- Operate Across State Lines: Build credibility in multiple markets.
Dual licensure can give you a competitive edge—especially in border cities like Cincinnati and Covington.
Important 2024–2025 Law Changes Impacting Reciprocity
In 2024, Ohio changed its licensing rules, ending the traditional reciprocity agreement with Kentucky. This meant Ohio agents had to complete Kentucky’s full 96-hour course and take both portions of the licensing exam.
However, in
April 2025, Kentucky and Ohio signed a
memorandum of understanding, reinstating a modified reciprocity path. Under the new agreement:
- Ohio agents no longer need to take the full 96-hour course.
- Instead, they must complete a
40-hour Kentucky law course and pass only the
state portion of the licensing exam.
This change makes the licensing process much more efficient for active Ohio licensees.
Kentucky Real Estate License Requirements for Ohio Licensees
To apply for a Kentucky real estate license through reciprocity, you must meet the following:
Eligibility
- Salesperson: Must hold an active Ohio license for at least
1 year prior to applying.
- Broker: Must hold an active Ohio license for at least
2 years.
Education & Exam
- Complete a
40-hour Kentucky Reciprocal License Law Course from a KREC-approved provider.
- Score
75% or higher on the
proctored final exam for the course.
- Submit
fingerprints for a national criminal background check.
- Request a
Letter of Good Standing from the Ohio Division of Real Estate.
- Register for and pass the
Kentucky state exam (50 questions; 75% required to pass).
Licensing
- Affiliate with a
Kentucky-licensed real estate broker.
- Submit your
application to the Kentucky Real Estate Commission (KREC) along with all required documents and fees.
Step-by-Step: How to Get Your Kentucky Real Estate License (Ohio Agents)
1. Enroll in the 40-Hour Kentucky Law Course
Select an approved online or in-person provider. The course focuses on Kentucky-specific real estate laws and regulations.
2. Pass the Course Final Exam
The final exam is proctored and requires a score of at least
75%.
3. Complete a Background Check
Schedule fingerprinting through the Kentucky State Police or an approved vendor. Results are valid for
90 days.
4. Request a Letter of Good Standing
Contact the Ohio Division of Real Estate & Professional Licensing to have this document sent directly to KREC.
5. Pass the Kentucky State Exam
Register with PSI to take the
50-question state exam. A passing score is
75% or higher.
6. Affiliate with a Kentucky Broker
You must be sponsored by a broker who is actively licensed in Kentucky.
7. Submit Your License Application
Apply via the KREC portal. Include your course certificate, exam score, fingerprint results, letter of good standing, and proof of
errors and omissions insurance.
Additional Tips for Ohio Agents Seeking a Kentucky License
- Apply Within 60 Days of passing your exam to avoid delays.
- Secure
Errors & Omissions Insurance before submitting your application.
- Stay compliant with
Kentucky’s post-licensing and continuing education requirements to keep your license active.
Start Your Kentucky Real Estate Licensing Journey Today!
By taking advantage of Kentucky's updated reciprocity process, Ohio licensees can expand their business quickly and efficiently. Whether you’re looking to grow your market reach, increase income opportunities, or serve more clients, dual licensure is a smart move in 2025 and beyond.
