Missouri Fair Housing
Practice Questions & Answers (2026)
Fair housing is tested on every real estate exam in the country, but Missouri candidates must know both federal and state-level protections. Missouri extends fair housing protections beyond the seven federal protected classes, adding additional categories under state law that are specifically tested on the MO state exam. 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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Missouri Fair Housing — Practice Questions & Answers
97 questions on Fair Housing from the Missouri real estate question bank. First 10 are free — sign up to unlock all 97.
Q1. The Missouri Human Rights Act provides housing discrimination protection for which additional class beyond the federal Fair Housing Act?
Explanation
Missouri's Human Rights Act adds ancestry as a protected class in addition to the seven federal protected classes under the Fair Housing Act.
Q2. Under the Fair Housing Act, advertising that states 'No Section 8' in Missouri may constitute discrimination based on:
Explanation
While 'source of income' is not a federally protected class under the FHA, some state and local laws prohibit discrimination against Section 8 voucher holders. Depending on the jurisdiction, refusing Section 8 may constitute illegal housing discrimination.
Q3. A HUD administrative law judge who finds a Fair Housing Act violation may award all of the following EXCEPT:
Explanation
A HUD administrative law judge may award actual damages, civil monetary penalties, and injunctive relief, but cannot impose imprisonment. Criminal prosecution with imprisonment requires a federal court proceeding.
Q4. Under the Fair Housing Act, which exemption allows a private individual to sell a single-family home without complying with all fair housing rules?
Explanation
The Fair Housing Act exempts private individuals who own no more than three single-family homes and sell without a licensed agent, provided they do not use discriminatory advertising or representations.
Q5. The Missouri Human Rights Act is enforced by the:
Explanation
The Missouri Commission on Human Rights (MCHR) enforces the Missouri Human Rights Act, which prohibits discrimination in housing, employment, and public accommodations.
Q6. Under the Federal Fair Housing Act, which of the following is a protected class?
Explanation
The seven federally protected classes under the Fair Housing Act are race, color, religion, sex, national origin, disability, and familial status. Income and occupation are not federal protected classes.
Q7. Steering in real estate occurs when an agent:
Explanation
Steering is the illegal practice of directing buyers toward or away from specific neighborhoods based on race, religion, national origin, or other protected characteristics, which perpetuates segregation.
Q8. Blockbusting is the illegal practice of:
Explanation
Blockbusting (panic peddling) involves inducing homeowners to sell by implying that members of a protected class are moving into the neighborhood, which will lower property values. It is illegal under the Fair Housing Act.
Q9. Redlining in Missouri refers to:
Explanation
Redlining is the discriminatory practice by lenders of refusing to make loans or offer insurance in certain neighborhoods based on the racial or ethnic composition of those areas.
Q10. Which of the following is a reasonable accommodation under the Fair Housing Act for a person with a disability?
Explanation
Landlords must make reasonable accommodations for persons with disabilities, including allowing service animals even where pets are prohibited. Charging extra deposits for service animals is not permitted.
Q11. Under the Fair Housing Act, a complaint must be filed with HUD within:
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