New Jersey Fair Housing
Practice Questions & Answers (2026)
Fair housing is tested on every real estate exam in the country, but New Jersey candidates must know both federal and state-level protections. New Jersey extends fair housing protections beyond the seven federal protected classes, adding additional categories under state law that are specifically tested on the NJ 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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New Jersey Fair Housing — Practice Questions & Answers
108 questions on Fair Housing from the New Jersey real estate question bank. First 10 are free — sign up to unlock all 108.
Q1. New Jersey's Law Against Discrimination (NJLAD) provides housing protections that are broader than the federal Fair Housing Act. Which of the following is a protected class under NJLAD but NOT the federal FHA?
Explanation
New Jersey's NJLAD prohibits housing discrimination based on source of lawful income, which means landlords cannot refuse to rent to tenants using Section 8 housing vouchers or other lawful income sources.
Q2. Under the NJLAD and federal Fair Housing Act, a landlord's policy requiring 'no children under 10' in a rental complex is:
Explanation
A policy restricting children under 10 is discrimination based on familial status, which is prohibited under both federal law and the NJLAD. The only exception is housing qualifying under HOPA as senior housing.
Q3. A New Jersey property manager denies a rental application from a person receiving public assistance (Section 8 voucher). Under NJLAD, this is:
Explanation
Under NJLAD, 'source of lawful income' is a protected class. Refusing to accept a qualified tenant solely because they use a Section 8 voucher is illegal housing discrimination in New Jersey.
Q4. In New Jersey, a victim of housing discrimination may file a complaint with the New Jersey Division on Civil Rights within:
Explanation
New Jersey allows housing discrimination complaints to be filed with the NJ Division on Civil Rights within one year of the alleged discriminatory act.
Q5. The federal Fair Housing Act prohibits discrimination based on which protected classes?
Explanation
The federal Fair Housing Act (Title VIII of the Civil Rights Act of 1968) prohibits discrimination based on race, color, national origin, religion, sex, familial status, and disability.
Q6. New Jersey's Law Against Discrimination (LAD) adds which protected class NOT covered by the federal Fair Housing Act?
Explanation
NJ's Law Against Discrimination extends fair housing protections to sexual orientation, gender identity/expression, source of lawful income, and other classes beyond federal law.
Q7. Steering in real estate is the illegal practice of:
Explanation
Steering is directing buyers or renters toward or away from specific neighborhoods based on race, national origin, or other protected classes, violating the Fair Housing Act.
Q8. Blockbusting is the illegal practice of:
Explanation
Blockbusting (panic selling) involves inducing homeowners to sell by suggesting their neighborhood's character will change due to the entry of protected-class members.
Q9. Redlining is the illegal practice of:
Explanation
Redlining is the illegal practice of denying mortgage loans or other services to residents of certain areas based on the racial or ethnic composition of those neighborhoods.
Q10. Under the federal Fair Housing Act, an exemption from the prohibition on discrimination may apply to:
Explanation
The Fair Housing Act exempts owner-occupied single-family homes sold without a broker (the 'Mrs. Murphy exemption'), but NJ's LAD is broader and may not recognize this exemption.
Q11. Which statement about the Americans with Disabilities Act (ADA) and housing is correct?
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