Kentucky Fair Housing
Practice Questions & Answers (2026)
Fair housing is tested on every real estate exam in the country, but Kentucky candidates must know both federal and state-level protections. While Kentucky enforces the seven federal protected classes (race, color, religion, sex, national origin, familial status, and disability), the Kentucky Real Estate Commission (KREC) also tests how these protections apply in Kentucky-specific rental, sales, and advertising scenarios. Steering, blockbusting, redlining, and discriminatory advertising are all tested — and candidates who think they know fair housing cold often miss the state-specific extensions or the nuanced application scenarios. Review every question here carefully.
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Kentucky Fair Housing — Practice Questions & Answers
88 questions on Fair Housing from the Kentucky real estate question bank. First 10 are free — sign up to unlock all 88.
Q1. Redlining is an illegal practice in which:
Explanation
Redlining is the illegal practice of lenders denying loans or insurance in geographic areas based on the racial or ethnic composition of those neighborhoods.
Q2. Under the Fair Housing Act, 'familial status' protects:
Explanation
Familial status protection under the Fair Housing Act covers households that include one or more children under the age of 18, as well as pregnant women and those in the process of adoption.
Q3. A landlord who requires a higher security deposit from tenants who use wheelchairs is violating which protected class under the Fair Housing Act?
Explanation
Charging higher deposits or different terms to tenants with disabilities violates the Fair Housing Act's prohibition on discrimination based on disability (handicap).
Q4. Under the Fair Housing Act, a landlord must allow a tenant with a disability to make reasonable modifications to their unit if:
Explanation
The Fair Housing Act requires landlords to allow tenants with disabilities to make reasonable modifications at the tenant's expense, with an agreement to restore the unit upon vacating.
Q5. Steering is an illegal practice in which an agent:
Explanation
Steering is the illegal practice of directing buyers toward or away from certain neighborhoods based on race, religion, national origin, or other protected class characteristics.
Q6. The Federal Fair Housing Act was originally passed in:
Explanation
The Federal Fair Housing Act was passed in 1968 as Title VIII of the Civil Rights Act of 1968, prohibiting discrimination in the sale and rental of housing.
Q7. Which of the following is NOT one of the original seven protected classes under the federal Fair Housing Act?
Explanation
Age is not a protected class under the federal Fair Housing Act. The seven protected classes are: race, color, national origin, religion, sex, familial status, and disability.
Q8. A property manager who refuses to rent to a family because they have three children is violating which protected class?
Explanation
Refusing to rent to a family because they have children is discrimination based on familial status, which is prohibited by the federal Fair Housing Act.
Q9. Under the Fair Housing Act, a landlord may legally refuse to rent to a person with a disability if:
Explanation
The Fair Housing Act allows landlords to deny a tenancy if the individual poses a direct threat to the safety of others that cannot be mitigated through a reasonable accommodation.
Q10. A landlord who refuses to allow a service animal because of a 'no pets' policy is:
Explanation
Under the Fair Housing Act, landlords must make reasonable accommodations for tenants with disabilities, including allowing assistance animals even when a no-pets policy exists.
Q11. Blockbusting refers to the illegal practice of:
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