Ohio Practice Test → Fair Housing

Ohio Fair Housing
Practice Questions & Answers (2026)

Fair housing is tested on every real estate exam in the country, but Ohio candidates must know both federal and state-level protections. While Ohio enforces the seven federal protected classes (race, color, religion, sex, national origin, familial status, and disability), the Ohio Division of Real Estate & Professional Licensing also tests how these protections apply in Ohio-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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Ohio Fair Housing — Practice Questions & Answers

113 questions on Fair Housing from the Ohio real estate question bank. First 10 are free — sign up to unlock all 113.

Q1. Ohio's fair housing law is found in the Ohio Civil Rights Act, which provides protections that are:

A.Identical to the federal Fair Housing Act only
B.Broader, adding race, color, religion, sex, national origin, disability, familial status, and ancestry as protected classes
C.Narrower, covering only race and national origin
D.Only applicable to rental housing

Explanation

Ohio's Civil Rights Act provides broad fair housing protections covering race, color, religion, sex, national origin, disability, familial status, and ancestry, among other classes.

Q2. Under the Fair Housing Act, which of the following statements about handicap (disability) accessibility is TRUE?

A.Landlords must make all units fully accessible regardless of cost
B.Tenants with disabilities may make reasonable modifications at their own expense, and the landlord may require restoration upon move-out
C.Only new construction must comply with accessibility requirements
D.Accessibility requirements only apply to government-owned housing

Explanation

Under the Fair Housing Act, tenants with disabilities have the right to make reasonable modifications at their own expense. The landlord may require the tenant to restore the unit to its original condition upon move-out.

Q3. Which of the following is an example of illegal discrimination under Ohio fair housing law?

A.A landlord requiring all applicants to pass a credit check
B.A landlord refusing to rent to a family because of their national origin
C.A seller refusing an offer that is below the asking price
D.A lender requiring a down payment for a conventional loan

Explanation

Refusing to rent based on national origin is illegal discrimination under both federal and Ohio fair housing laws. Requiring credit checks, setting asking prices, and requiring down payments are all lawful business practices.

Q4. The federal Equal Credit Opportunity Act (ECOA) prohibits discrimination in lending based on:

A.Only race, color, and national origin
B.Race, color, religion, national origin, sex, marital status, age, and use of public assistance
C.Only the seven protected classes under the Fair Housing Act
D.Race, color, sex, and disability only

Explanation

ECOA prohibits discrimination in credit transactions based on race, color, religion, national origin, sex, marital status, age (provided the applicant is old enough to contract), and use of public assistance income.

Q5. Ohio's Civil Rights Commission (OCRC) is the state agency responsible for:

A.Issuing real estate licenses
B.Investigating housing discrimination complaints under Ohio law
C.Approving mortgage loan applications
D.Setting property tax rates

Explanation

The Ohio Civil Rights Commission investigates complaints of housing discrimination under Ohio's Civil Rights Act and enforces fair housing protections at the state level.

Q6. Under the federal Fair Housing Act, 'familial status' protects:

A.Married couples only
B.Households with children under 18, pregnant women, and those in the process of adopting
C.All family members regardless of age
D.Single-parent households only

Explanation

Familial status protection covers households with one or more children under 18, pregnant women, and persons in the process of securing legal custody of a child under 18.

Q7. Which of the following is a permitted exemption under the federal Fair Housing Act?

A.A real estate broker refusing to show homes in certain neighborhoods based on race
B.An owner of a single-family home selling without a broker and not advertising in a discriminatory manner
C.A landlord with 10 units refusing to rent to families with children
D.A lender denying loans in minority neighborhoods

Explanation

The Fair Housing Act exempts owner-occupied buildings with no more than four units, single-family homes sold without a broker and without discriminatory advertising, and housing for older persons (55+ communities).

Q8. Blockbusting is best defined as:

A.Refusing to make loans in certain geographic areas
B.Inducing homeowners to sell by suggesting that minority groups are moving into the neighborhood
C.Directing buyers to certain neighborhoods based on their protected class
D.Refusing to show listings in certain zip codes

Explanation

Blockbusting (panic peddling) is the illegal practice of inducing owners to sell by making representations about the entry or anticipated entry of persons of a protected class into the neighborhood.

Q9. Steering in real estate is best described as:

A.Directing buyers toward or away from neighborhoods based on their protected class
B.Advising a buyer on the best neighborhood for their budget
C.Refusing to process a loan application
D.Charging different security deposits to different tenants

Explanation

Steering is the illegal practice of directing buyers or renters toward or away from certain neighborhoods based on their race, national origin, religion, or other protected class characteristics.

Q10. A person who files a fair housing complaint with HUD must do so within:

A.90 days of the alleged violation
B.One year of the alleged violation
C.Two years of the alleged violation
D.Five years of the alleged violation

Explanation

Under the Fair Housing Act, a complaint must be filed with HUD within one year of the alleged discriminatory act. Civil suits must be filed within two years.

Q11. Ohio has fair housing regional offices that handle complaints. Where can an Ohio resident file a state fair housing complaint?

A.Only with HUD in Washington, D.C.
B.With the Ohio Civil Rights Commission or HUD
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