Connecticut Real Estate Practice Exam
(Free Questions & Answers)
The Connecticut real estate exam is administered by the Department of Consumer Protection and is notable because Connecticut requires an attorney to be present at all real estate closings — a fact that shapes how agency and escrow questions are framed on the exam. The state portion also tests Connecticut's specific agency disclosure timing requirements and the Connecticut Property Condition Disclosure Report, which must be provided early in the transaction rather than at closing.
Administered by: Connecticut Real Estate Commission · 110 questions · Passing score: 70%
Start Free Practice Exam →No credit card · No signup · Instant access
Updated May 2026 · Connecticut Real Estate Commission exam outline
Connecticut Exam Study Resources
Everything you need to pass — in one place.
Practice by Topic
Connecticut Study Guides
Free Connecticut Real Estate Practice Exam Questions
Test your knowledge with these Connecticut real estate practice questions. Each question is based on topics from the Connecticut Real Estate Commission exam and includes detailed explanations.
Q1. Which agency regulates real estate licenses in Connecticut?
Explanation
The Connecticut Real Estate Commission, under the Department of Consumer Protection, is responsible for licensing and regulating real estate brokers and salespersons in Connecticut.
Q2. In Connecticut, when a real estate broker represents a buyer in a transaction, the broker is acting as:
Explanation
When a Connecticut broker enters into a buyer agency agreement, they become the buyer's agent and owe fiduciary duties including loyalty, confidentiality, disclosure, obedience, and reasonable care.
Q3. For a real estate contract to be enforceable in Connecticut, it must be:
Explanation
Under Connecticut's Statute of Frauds, contracts for the sale of real property must be in writing and signed by the party to be charged (or their authorized agent) to be enforceable.
Q4. A Connecticut buyer is considering an adjustable-rate mortgage (ARM). Which statement is TRUE about ARMs?
Explanation
An ARM has an interest rate that adjusts periodically (e.g., annually) based on a benchmark index (such as SOFR) plus a margin. This can cause monthly payments to increase or decrease over time.
Q5. In Connecticut, tenants in common each own:
Explanation
Tenants in common hold undivided interests in the whole property. Ownership shares may be unequal, and each owner may sell or devise their share independently. There is no right of survivorship — the deceased's share passes to their heirs.
Q6. An appraiser using the cost approach to value a property would:
Explanation
The cost approach estimates value as: Land Value + Replacement Cost New of Improvements − Accrued Depreciation. It is most useful for new construction, special-use properties, and when comparable sales data is limited.
Q7. Blockbusting is defined as:
Explanation
Blockbusting (also called panic selling) is the illegal practice of inducing property owners to sell or rent by suggesting that the entry of protected-class individuals into the neighborhood will lower property values or increase crime.
Q8. In Connecticut, the deed is most commonly used to transfer title from seller to buyer at closing is the:
Explanation
In Connecticut, the general warranty deed (or statutory warranty deed) is most commonly used in residential transactions, providing the broadest protection by warranting title against all defects for all time.
Q9. A Connecticut property is listed at $425,000. The seller agrees to pay a 5.5% commission. What is the total commission paid at closing?
Explanation
Commission = $425,000 × 5.5% = $425,000 × 0.055 = $23,375. To solve this, multiply the relevant values: $425,000 at 5.5%.. The correct answer is $23,375.. This is a common calculation on the Connecticut real estate exam.
Q10. Connecticut requires disclosure of lead-based paint hazards for homes built before:
Explanation
Federal law (and Connecticut practice) requires disclosure of known lead-based paint and lead-based paint hazards for residential properties built before 1978, when the federal government banned its residential use.
Q11. Which of the following describes a 'variance' in Connecticut zoning law?
Explanation
A variance is a relief granted by the zoning board of appeals allowing a property owner to deviate from specific zoning requirements due to unique physical hardship—not merely financial difficulty.
Q12. A property manager in Connecticut who manages property for others and collects rent must hold a:
Explanation
In Connecticut, anyone who manages real property for others and receives compensation must hold a real estate broker's license or be a licensed salesperson working under a broker.
Q13. How many hours of pre-license education are required to sit for the Connecticut real estate salesperson exam?
Explanation
Connecticut requires 60 hours of pre-license education before a candidate may sit for the real estate salesperson licensing exam.
Q14. Connecticut law requires that the agency disclosure be made to a prospective buyer or seller:
Explanation
Connecticut requires agency disclosure at the first substantive contact with a prospective buyer or seller regarding a specific property. This allows the parties to understand the broker's role before sharing confidential information.
Q15. A buyer makes an offer to purchase a home. Before the seller accepts the offer, the buyer calls the agent to withdraw the offer. Under contract law:
Explanation
An offer may be revoked by the offeror at any time prior to acceptance. Once the seller accepts the offer and communicates acceptance to the buyer, a binding contract is formed.
Q16. What is the purpose of private mortgage insurance (PMI)?
Explanation
PMI (private mortgage insurance) protects the lender, not the buyer, against loss if the borrower defaults. It is typically required when the down payment is less than 20% (LTV greater than 80%) on a conventional loan.
Q17. A Connecticut condominium owner owns:
Explanation
A condominium owner holds fee simple title to their individual unit and an undivided interest as a tenant in common in the common elements (hallways, grounds, amenities). This is distinct from cooperative ownership.
Q18. When using the sales comparison approach, an appraiser makes adjustments to comparables to account for differences with the subject property. If a comparable has a feature the subject lacks, the adjustment to the comparable is:
Explanation
If the comparable is superior to the subject (has a feature the subject lacks), the comparable's price is adjusted downward (negative adjustment) to reflect what the comparable would have sold for if it were like the subject.
Q19. Under the federal Fair Housing Act, which property is generally exempt from the prohibition against familial status discrimination?
Explanation
The Fair Housing Act allows qualified senior housing communities to restrict occupancy to older persons without violating familial status protections. To qualify, at least 80% of occupied units must have at least one resident age 55 or older.
Q20. A title search in Connecticut examines the public records to:
Explanation
A title search examines the chain of title in public records to identify outstanding mortgages, judgment liens, unpaid taxes, easements, restrictions, and other encumbrances that could affect ownership.
Q21. A buyer takes out a $280,000 mortgage at 6.5% annual interest. What is the first month's interest charge?
Explanation
Monthly interest = Loan balance × (Annual rate ÷ 12) = $280,000 × (6.5% ÷ 12) = $280,000 × 0.005417 = $1,516.67.
Q22. Radon gas is a concern in many Connecticut homes because:
Explanation
Radon is a naturally occurring radioactive gas produced by the decay of uranium in soil and rock. It can seep into buildings through foundation cracks and is the second leading cause of lung cancer in the U.S. Connecticut has significant radon risk areas.
Q23. A 'special use permit' in Connecticut zoning allows:
Explanation
A special use permit (special exception) allows uses that the zoning ordinance recognizes as compatible with a zone but which require individualized review and conditions to ensure compatibility.
Q24. A Connecticut property manager's primary duty is to:
Explanation
A property manager is a fiduciary agent of the property owner and must always act in the owner's best interests, which includes maximizing net income, maintaining the property, and complying with all applicable laws.
Q25. What is the minimum passing score required on the Connecticut real estate licensing examination?
Explanation
Connecticut requires a minimum passing score of 70% on the real estate licensing examination to obtain a salesperson or broker license.
1,500+ questions · Timed mock exams · Detailed explanations
Connecticut Real Estate Exam — What to Expect
What Is On The Connecticut Real Estate Exam?
The Connecticut real estate salesperson exam is administered by the Connecticut Real Estate Commission and tests both national real estate principles and Connecticut-specific laws and regulations. The exam contains 110 multiple-choice questions, and you must score at least 70% to pass.
The national portion covers topics that apply in every state: property ownership, land use controls, valuation and market analysis, financing, agency law, contracts, leasing and property management, transfer of title, fair housing laws, and real estate calculations. The state portion tests knowledge specific to Connecticut — including regulations set by the Connecticut Real Estate Commission, Connecticut agency disclosure requirements, and state-specific contract and closing practices.
Topics covered on the Connecticut exam include: Property Ownership, Agency Law, Contracts, Finance, Connecticut License Law. Candidates who struggle on the CT exam typically underestimate the state-specific portion — the national content is well-covered by most study materials, but Connecticut law questions require targeted preparation.
Official Connecticut Exam Content Areas
Source: Connecticut Real Estate Commission · Updated June 2026
| Content Area | Questions |
|---|---|
| Property Ownership | 6 |
| Land Use Controls and Regulations | 4 |
| Valuation and Market Analysis | 6 |
| Financing | 8 |
| General Principles of Agency | 10 |
| Property Disclosures | 5 |
| Contracts | 14 |
| Leasing and Property Management | 2 |
| Transfer of Title | 6 |
| Practices of Real Estate | 11 |
| Real Estate Calculations | 8 |
| Connecticut State Section — Licensing Requirements | ~8 |
| Connecticut State Section — Licensee Laws | ~10 |
| Connecticut State Section — Real Estate Agency (CT disclosure, dual agency) | ~6 |
| Connecticut State Section — CT Principles & Practices (Landlord-Tenant, Common Interest Ownership, Fair Housing, UETA) | ~6 |
- ▸Administered by PSI; must score 70% (56/80 national, 21/30 state) — sections scored independently
- ▸Connecticut state section covers 4 areas: licensing requirements, licensee laws, real estate agency (CT-specific disclosures and dual agency), and CT principles and practices
- ▸CT-specific laws tested include: Connecticut Landlord-Tenant Act, CT Common Interest Ownership Act, CT Fair Housing, and CT Uniform Electronic Transactions Act (UETA)
- ▸Source: Connecticut DCP (portal.ct.gov/DCP) and PSI Candidate Information Bulletin (updated October 2023, bulletin #247)
Practice Connecticut questions by topic — start with Connecticut License Law, Agency, and Contracts to build your foundation, then work through remaining topics.
How Many Questions Are On The Connecticut Exam?
The Connecticut real estate salesperson exam has 110 multiple-choice questions. The exam is divided into a national section covering general real estate principles and a state section covering Connecticut-specific laws administered by the Connecticut Real Estate Commission. You have 2 hrs 45 min to complete the exam.
Connecticut Real Estate Exam Passing Score
You need a 70% to pass the Connecticut real estate exam. The first-time pass rate in Connecticut is approximately 61%, which means preparation is essential — most candidates who fail do so because they focused on national content and underestimated the CT-specific portion. Our Connecticut practice exam is built specifically around the Connecticut Real Estate Commission exam outline.
Read our complete Connecticut exam study guide — state-specific topics, 5-week study plan, and what to focus on before exam day.
Most Difficult Topics On The Connecticut Exam
These are the areas where Connecticut candidates most commonly lose points — and a key reason why some states produce harder real estate exams than others.
Connecticut Real Estate Commission's specific licensing requirements, continuing education mandates, and renewal procedures are tested areas where candidates often miss points due to unfamiliarity with CT-specific rules.
Connecticut requires attorney involvement in real estate closings. Questions on the closing process, who performs what functions, and the attorney's role in title examination appear on the state exam.
Connecticut's specific timing requirements for agency disclosure — which must occur before showing property — and the specific content of the required disclosure form are frequently tested.
The Connecticut Property Condition Disclosure Report must be provided early in the transaction. The specific exemptions, timing, and buyer's rights after receiving the report are tested on the state portion.
Connecticut Real Estate Math
The Connecticut real estate exam includes math questions covering commission calculations, loan-to-value (LTV) ratios, property tax prorations, area and volume, and appreciation/depreciation. A common example: if a property sells for $350,000 and the total commission is 6%, split equally between listing and buyer's broker, each side earns $10,500. Proration questions — such as calculating how many days of property taxes a seller owes at closing — are also common. On the CT exam, you will not need a calculator for most math questions, but you do need to understand the formulas. Practice the "T-bar" method for commission splits and the 360-day banker's year for prorations.
🧮 See all exam math formulas →How To Get Your Connecticut Real Estate License
- 1Complete 60 hours of state-approved pre-license education covering topics required by the Connecticut Real Estate Commission.
- 2Submit your application to the Connecticut Real Estate Commission and pay the required fees (exam fee: $85).
- 3Pass the Connecticut real estate salesperson exam (110 questions, 70% to pass).
- 4Complete a background check and fingerprinting as required by Connecticut law.
- 5Find a licensed sponsoring/employing broker to activate your license.
- 6Complete any required post-licensing education within the timeframe set by the Connecticut Real Estate Commission.
Best Study Strategy For The Connecticut Exam
Start with Connecticut license law first. State-specific regulations administered by the Connecticut Real Estate Commission make up a significant portion of the CT exam and are not covered in most national study materials.
Master the math early. The Connecticut real estate exam includes questions on commission calculations, prorations, loan-to-value ratios, and area calculations. Set aside dedicated math practice sessions — don't leave it until the last week.
Take timed practice exams. The Connecticut exam has 110 questions within a 2 hrs 45 min time limit. Simulate exam conditions to build stamina and identify weak topics before exam day.
Focus heavily on agency law. Agency relationships, disclosure requirements, and fiduciary duties are consistently among the most-tested topics on the CT exam. Understand the difference between seller's agent, buyer's agent, dual agent, and transaction broker in the context of Connecticut law.
Review Fair Housing thoroughly. Federal Fair Housing Act protections apply in all states, but Connecticut may have additional protected classes. Know both federal and Connecticut-specific protections cold — this topic appears on virtually every exam.
Use active recall, not passive reading. Instead of re-reading notes, quiz yourself. Use flashcards or practice questions to test retention. Research shows active recall improves long-term retention significantly compared to passive review.
Start Your Connecticut Practice Questions
25 free questions · No signup · No credit card
Connecticut Real Estate Exam — Frequently Asked Questions
Ready to practice? Start free.
Join thousands of Connecticut students who used our practice exam to pass on their first try.