Florida Real Estate Exam 2026: 25 Q&A + Pass Tips

Quick Answer

The Florida real estate salesperson exam has 100 multiple-choice questions with a 70% pass mark (70/100) and a 3.5-hour time limit. You must complete 63 hours of FREC-approved pre-licensing education. Total fees ~$68.75. Licence valid 2 years with 14 hours of CE per cycle (Florida DBPR / FREC, 2026).

Data last verified September 2026 from Florida Department of Business and Professional Regulation (DBPR) and the Florida Real Estate Commission (FREC) content outline.

Eligibility

• Age: 18+ (Florida DBPR, 2026).
• Pre-licensing: 63 hours from FREC-approved school.
• Residency: Florida residency not required.
• Honesty: Disclose criminal/financial history; FREC reviews character.

Test format

Source: Florida DBPR Salesperson Examination Content Outline (2026).

Sample Q&A — National Topics (12 questions)

Q1. What is a "fiduciary duty"?

Legal duty to act in the client's best interest — loyalty, confidentiality, full disclosure, reasonable care.

Q2. Define "marketable title".

Title reasonably free from doubt; defensible against reasonable challenges.

Q3. What is "earnest money"?

Buyer's good-faith deposit, held in escrow until closing.

Q4. What is "PITI"?

Principal, Interest, Taxes, Insurance — mortgage payment components.

Q5. What is "LTV"?

Loan-to-value ratio: loan amount ÷ appraised value.

Q6. What is "PMI"?

Private mortgage insurance, required at LTV > 80%, removed at 78% LTV. CFPB (2026).

Q7. What is "amortization"?

Periodic payment schedule paying off loan over its term.

Q8. What is "due-on-sale"?

Clause requiring loan payoff upon property transfer.

Q9. What is a "deed"?

Written instrument transferring ownership of real property.

Q10. What is a "lien"?

A legal claim against property as security for a debt (mortgage, tax lien, mechanic's lien).

Q11. What is "escrow"?

Neutral third party holding funds or documents until contract conditions are met.

Q12. What is "APR"?

Annual Percentage Rate — true yearly cost of a loan.

Sample Q&A — Florida State-Specific (10 questions)

Q13. What is the Florida Real Estate Commission (FREC)?

The 7-member commission within DBPR that regulates real estate licensing in Florida. Florida Statutes Chapter 475 (FREC, 2026).

Q14. What is the FREC-administered escrow account requirement?

Brokers must maintain a separate escrow account (Florida Statutes §475.25) for client funds; trust account records kept for 5 years (FREC, 2026).

Q15. What is the Florida Seller's Property Disclosure?

Required disclosure of known property defects from the seller in most residential transactions. Florida Statutes §689.34 (FREC, 2026).

Q16. What is the Florida Fair Housing Act?

Prohibits discrimination based on race, color, national origin, religion, sex, familial status, disability, and sexual orientation. Florida Statutes Chapter 760 (FREC, 2026).

Q17. What is the Florida real estate brokerage relationship?

Florida recognises single agent, transaction broker, and no-agency relationships — each requires written disclosure. Florida Statutes §475.278 (FREC, 2026).

Q18. What is the Florida CAM (Community Association Manager) disclosure?

Required disclosure when property is in a homeowners' or condo association — buyer must receive the association documents and budget. Florida Statutes Chapter 718/720 (FREC, 2026).

Q19. What is the Florida flood zone disclosure?

Seller must disclose whether property is in a designated flood zone and whether flood insurance is required. Florida Statutes §689.302 (FREC, 2026).

Q20. What is the Florida real estate recovery fund?

A fund that compensates consumers harmed by licensed broker misconduct. Florida Statutes §475.483 (FREC, 2026).

Q21. What is the FREC investigation process?

Complaints are investigated by DBPR investigators; cases may proceed to administrative hearing and disciplinary action. Florida Statutes §475.31 (FREC, 2026).

Q22. What is the Florida Timeshare Act?

Regulates timeshare sales and resales — requires registration, public offering statements, escrow of buyer funds. Florida Statutes Chapter 721 (FREC, 2026).

Pass-mark interpretation

You must score at least 70/100 (70%) to pass. The exam is single-attempt at Pearson VUE; failures require retake scheduling. The first retake has no waiting period; third and subsequent retakes have a required waiting period (Florida DBPR, 2026).

Where to book

Apply via myfloridalicense.com; after approval, schedule at any Pearson VUE Testing Center. Bring photo ID. Exam fee $36.75 + licensing fee $32 = ~$68.75 (Florida DBPR, 2026).

Resources

Use the TutorsBot entrance-exams hub for cross-cluster practice and the Florida DBPR publications for the official Florida Real Estate Commission rules. For compliance and disclosures, see the TutorsBot GRC training course.

Career outlook and study plan 2026

Real estate remains one of the most resilient career paths in the US — the Bureau of Labor Statistics (BLS, 2026) projects 4% annual growth in real estate sales agent jobs through 2032, with median annual income of $56,000 and top-10% earners above $120,000. Commission structures typically split 70/30 with the broker, plus potential for team overrides and listing bonuses.

A structured 12-week study plan for the salesperson exam looks like this: weeks 1-3 cover real estate principles (ownership, contracts, finance basics, deeds, titles, liens); weeks 4-6 cover state-specific law (agency relationships, fair housing, disclosures, escrow rules); weeks 7-9 cover finance (mortgages, lending regulations, closings, math); weeks 10-12 cover practice exams + state-specific practice. Most successful candidates invest 200-400 hours of study across the 12-week window.

After licensure, you must affiliate with a sponsoring broker in your state — common brokerages include national brands (Coldwell Banker, RE/MAX, Berkshire Hathaway, Compass, Keller Williams) and local independent firms. New agents typically start on a 70/30 split with a desk fee; high-producing agents can negotiate 80/20 to 100% commission within 18-24 months.