Missouri Real Estate Practice Exam
(Free Questions & Answers)
The Missouri real estate exam is administered by the Missouri Real Estate Commission (MREC) and tests heavily on Missouri's Licensee Buyer Agent Agreements — Missouri requires written disclosure when a licensee moves from a seller's representative role to representing a buyer. The state portion also covers Missouri's Seller's Disclosure Statement requirements and the specific exemptions under Missouri law. Missouri extends fair housing protections to additional classes beyond federal law, and those state-level additions are tested.
Administered by: Missouri Real Estate Commission · 140 questions · Passing score: 70%
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Updated May 2026 · Missouri Real Estate Commission exam outline
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Free Missouri Real Estate Practice Exam Questions
Test your knowledge with these Missouri real estate practice questions. Each question is based on topics from the Missouri Real Estate Commission exam and includes detailed explanations.
Q1. Which agency regulates real estate licensees in Missouri?
Explanation
The Missouri Real Estate Commission (MREC), operating under the Division of Professional Registration, is responsible for licensing, regulating, and disciplining real estate professionals in Missouri.
Q2. Missouri's agency disclosure law requires a licensee to provide a written disclosure:
Explanation
Missouri law requires written agency disclosure to be provided to a buyer or seller before any offer to purchase is prepared. The disclosure must explain who the agent represents.
Q3. In Missouri, which element is required to make a real estate contract enforceable?
Explanation
Under Missouri's Statute of Frauds, contracts for the sale of real estate must be in writing and signed by the parties to be enforceable. Neither notarization nor recording is required for enforceability.
Q4. A Missouri borrower takes out a $240,000 mortgage at 6.75% annual interest. What is the approximate first month's interest?
Explanation
Monthly interest = $240,000 × (6.75% ÷ 12) = $240,000 × 0.005625 = $1,350. To solve this, multiply the relevant values: $240,000 at 6.75%.. The correct answer is $1,350.. This is a common calculation on the Missouri real estate exam.
Q5. In Missouri, a deed must be acknowledged (notarized) before it can be:
Explanation
Missouri requires a deed to be acknowledged (notarized) before it can be recorded with the county recorder of deeds. Recording provides constructive notice of the property transfer.
Q6. A Missouri appraiser values a property using the income approach. The property has gross rental income of $48,000/year, vacancy and collection losses of 5%, and operating expenses of $18,000. What is the NOI?
Explanation
Effective gross income = $48,000 × (1 − 5%) = $48,000 × 0.95 = $45,600. NOI = EGI − Operating expenses = $45,600 − $18,000 = $27,600.
Q7. 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.
Q8. In Missouri, which type of foreclosure does NOT require court proceedings?
Explanation
Missouri allows non-judicial (power of sale) foreclosure when the deed of trust contains a power of sale clause. The trustee may sell the property after providing proper notice without court involvement.
Q9. A Missouri property owner bought a home for $220,000 and later sold it for $285,000. What was the percentage gain?
Explanation
Gain = $285,000 − $220,000 = $65,000. Percentage gain = $65,000 ÷ $220,000 = 0.2954 = approximately 29.5%.
Q10. Which Missouri state agency oversees environmental regulation of real property, including hazardous waste sites?
Explanation
The Missouri Department of Natural Resources (DNR) is the primary state agency responsible for environmental regulation, including hazardous waste cleanup, water quality, and air quality.
Q11. Which government power authorizes Missouri municipalities to enact zoning ordinances?
Explanation
Zoning ordinances are enacted under police power, which allows government to regulate land use to protect public health, safety, and welfare.
Q12. In Missouri, a property manager acting as agent for a landlord has a fiduciary duty to:
Explanation
A property manager is an agent of the landlord/property owner and owes fiduciary duties—loyalty, disclosure, confidentiality, obedience, and accounting—to that principal.
Q13. How many hours of pre-license education are required for a Missouri real estate salesperson license?
Explanation
Missouri requires 48 hours of pre-license education for a salesperson license before a candidate may sit for the licensing examination.
Q14. A Missouri buyer's agent who also represents the seller in the same transaction must:
Explanation
Missouri permits dual agency but requires written informed consent from both the buyer and seller acknowledging the limitations of the dual agency relationship before the agent may proceed.
Q15. A Missouri buyer signs an offer that includes an earnest money deposit of $5,000. The seller never responds. The offer is:
Explanation
Without acceptance, there is no mutual assent and no contract is formed. The offer lapses and is void if not accepted within the specified or reasonable time.
Q16. A home equity line of credit (HELOC) is best described as:
Explanation
A HELOC is a revolving line of credit secured by the homeowner's equity. The borrower can draw funds up to a credit limit, repay, and borrow again — similar to a credit card but secured by real estate.
Q17. The four unities required for joint tenancy in Missouri are:
Explanation
Joint tenancy requires four unities: Time (acquired at the same time), Title (through the same instrument), Interest (equal shares), and Possession (equal right to possess the whole). If any unity is severed, joint tenancy converts to tenancy in common.
Q18. An appraisal report in Missouri must conform to standards set by:
Explanation
All real property appraisals must conform to USPAP (Uniform Standards of Professional Appraisal Practice), the nationally recognized ethical and performance standards for appraisers.
Q19. 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.
Q20. A Missouri deed of trust differs from a mortgage in that a deed of trust involves:
Explanation
A deed of trust involves three parties: the trustor (borrower) conveys title to a trustee who holds it on behalf of the beneficiary (lender) as security for the loan. Missouri primarily uses deeds of trust rather than traditional mortgages.
Q21. A Missouri home is assessed at 19% of its $350,000 market value. The tax rate is $8.00 per $100 of assessed value. What is the annual tax?
Explanation
Assessed value = $350,000 × 19% = $66,500. Annual tax = ($66,500 ÷ $100) × $8.00 = 665 × $8.00 = $5,320.
Q22. Under the Missouri Clean Water Law, it is illegal to:
Explanation
The Missouri Clean Water Law (Ch. 644 RSMo) prohibits discharging pollutants into state waters without a permit from the Missouri DNR, consistent with the federal Clean Water Act.
Q23. A nonconforming use in Missouri is a land use that:
Explanation
A nonconforming use legally existed before a zoning change made it non-compliant. It is typically allowed to continue but may not be expanded.
Q24. Which Missouri law governs residential landlord-tenant relationships?
Explanation
Chapter 441 RSMo governs landlord-tenant law in Missouri, covering lease requirements, security deposits, habitability standards, and eviction procedures.
Q25. The Missouri real estate salesperson licensing exam contains how many questions?
Explanation
The Missouri real estate salesperson exam contains 140 questions. Candidates must achieve a score of at least 70% to pass.
1,500+ questions · Timed mock exams · Detailed explanations
Missouri Real Estate Exam — What to Expect
What Is On The Missouri Real Estate Exam?
The Missouri real estate salesperson exam is administered by the Missouri Real Estate Commission and tests both national real estate principles and Missouri-specific laws and regulations. The exam contains 140 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 Missouri — including regulations set by the Missouri Real Estate Commission, Missouri agency disclosure requirements, and state-specific contract and closing practices.
Topics covered on the Missouri exam include: Property Ownership, Agency Law, Contracts, Finance, Missouri License Law. Candidates who struggle on the MO exam typically underestimate the state-specific portion — the national content is well-covered by most study materials, but Missouri law questions require targeted preparation.
Official Missouri Exam Content Areas
Source: Missouri Real Estate Commission · Updated June 2026
| Content Area | Questions |
|---|---|
| National Section — 11 PSI topic areas (Missouri uses 100 questions, more than most states) | 100 |
| Missouri State Section (MOREP — brokerage relationships, agency disclosure, compensation, contracts, closings) | 40 |
- ▸Missouri's national section is 100 questions (not 80 like most PSI states) — budget extra study time for national content
- ▸Passing thresholds: 70% (70/100) on national section, 75% (30/40) on Missouri state section
- ▸Missouri's exam is structured under MOREP (Missouri Real Estate Education Program) — the state's official pre-license curriculum framework
- ▸Missouri state section covers brokerage relationship types, agency disclosure (when/how required), dual agency, compensation and cooperation, and Missouri contracts and closings
- ▸Source: Missouri Real Estate Commission (pr.mo.gov/realestate) and MOREP Handbook/PSI
Practice Missouri questions by topic — start with Missouri License Law, Agency, and Contracts to build your foundation, then work through remaining topics.
How Many Questions Are On The Missouri Exam?
The Missouri real estate salesperson exam has 140 multiple-choice questions. The exam is divided into a national section covering general real estate principles and a state section covering Missouri-specific laws administered by the Missouri Real Estate Commission. You have 4 hours to complete the exam.
Missouri Real Estate Exam Passing Score
You need a 70% to pass the Missouri real estate exam. The first-time pass rate in Missouri is approximately 58%, which means preparation is essential — most candidates who fail do so because they focused on national content and underestimated the MO-specific portion. Our Missouri practice exam is built specifically around the Missouri Real Estate Commission exam outline.
Read our complete Missouri exam study guide — state-specific topics, 5-week study plan, and what to focus on before exam day.
Most Difficult Topics On The Missouri Exam
These are the areas where Missouri candidates most commonly lose points — and a key reason why some states produce harder real estate exams than others.
Missouri Real Estate Commission's licensing requirements, supervision rules, and the 72-hour pre-license education requirement are tested on the state portion with Missouri-specific provisions.
Missouri requires written disclosure when a licensee transitions from representing a seller to representing a buyer in the same transaction. This Missouri-specific requirement and its consequences are heavily tested.
Missouri's Seller's Disclosure Statement requirements — including what must be disclosed, the specific exemptions, and buyer's remedies — are tested on the state exam with Missouri-specific rules.
Missouri extends fair housing protections to additional classes beyond federal law. The state-level additions and how Missouri enforces fair housing are tested on the state portion.
Missouri Real Estate Math
The Missouri 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 MO 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 Missouri Real Estate License
- 1Complete 72 hours of state-approved pre-license education covering topics required by the Missouri Real Estate Commission.
- 2Submit your application to the Missouri Real Estate Commission and pay the required fees (exam fee: $62).
- 3Pass the Missouri real estate salesperson exam (140 questions, 70% to pass).
- 4Complete a background check and fingerprinting as required by Missouri law.
- 5Find a licensed sponsoring/employing broker to activate your license.
- 6Complete any required post-licensing education within the timeframe set by the Missouri Real Estate Commission.
Best Study Strategy For The Missouri Exam
Start with Missouri license law first. State-specific regulations administered by the Missouri Real Estate Commission make up a significant portion of the MO exam and are not covered in most national study materials.
Master the math early. The Missouri 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 Missouri exam has 140 questions within a 4 hours 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 MO exam. Understand the difference between seller's agent, buyer's agent, dual agent, and transaction broker in the context of Missouri law.
Review Fair Housing thoroughly. Federal Fair Housing Act protections apply in all states, but Missouri may have additional protected classes. Know both federal and Missouri-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.
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