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Pennsylvania Real Estate License Exam Preparation

Prepare for success on the Pennsylvania Real Estate Salesperson Exam with comprehensive coverage of Act 112 agency disclosure, Consumer Notice requirements, and PA-specific regulations that define real estate practice in the Commonwealth.

Pennsylvania Real Estate Exam: Key Facts

Number of Questions
120 questions total (80 national + 40 state)
Passing Score
75% on both portions
Exam Provider
PSI
Pre-Licensing Education
75 hours
Exam Fee
$49
Application
$97
Retake Policy
1 business day wait between attempts. Unlimited attempts within 5-year course validity period.
Total Cost Estimate
$400-700 total (pre-license course $200-400 + exam $49 + application $97 + fingerprinting $40 + 14-hour post-license course $75-100)

Last updated: January 15, 2026

Pennsylvania Exam Details

Number of Questions
120 questions total (80 national + 40 state)
Passing Score
75% on both portions
Exam Type
State Specific

Key Topics Covered:

Act 112 - Agency Disclosure
Consumer Notice (11 provisions)
Seller Agency vs. Buyer Agency
Dual Agency & Designated Agency
Transaction Licensee
PA License Law (Chapter 35)

Why Prepare for the Pennsylvania Exam?

  • Pennsylvania requires 75% on BOTH national and state portions independently
  • Act 112 Consumer Notice must be provided at initial interview with all consumers
  • State regulations (49 Pa. Code Chapter 35) account for 70% of state exam questions
  • Understanding seller agency, buyer agency, dual agency, designated agency, and transaction licensee distinctions is critical

What You Get

  • 400+ Pennsylvania-specific practice questions
  • Act 112 and Consumer Notice comprehensive coverage
  • Chapter 35 regulations mastery
  • Detailed explanations for all agency relationships
  • 2026 exam-ready content

Pennsylvania Real Estate Regulatory Authority

Pennsylvania State Real Estate Commission (established 1929) oversees real estate licensing and regulation in Pennsylvania.

(717) 783-3658

Key Statutes & References

49 Pa. Code Chapter 35 - Real Estate Commission Regulations

  • • 63 P.S. §455.101 - Real Estate Licensing and Registration Act
  • • Act 112 of 1998 - Agency Relationships and Consumer Notice
  • • 49 Pa. Code §35.201 - Requirements for License

Pennsylvania Testing Centers & Logistics

Exam Provider: PSI

Schedule Your Exam

Philadelphia Area - PSI Testing Center - Bala Cynwyd

One Bala Avenue, Suite 310, Bala Cynwyd, PA 19004

View on Google Maps
Parking:

Free parking available in building garage. Street parking on City Avenue (limited, metered).

Public Transit:

SEPTA Bus Route 44 stops at Bala Ave & City Ave (2-min walk). Cynwyd SEPTA Regional Rail station 0.5 miles away.

Arrival Tips:

Suite 310 on 3rd floor. Arrive 30 min early to check in. Bring two forms of ID (one photo ID). No cell phones or electronic devices allowed in testing room.

Pittsburgh - PSI Testing Center - South Braddock Ave

1789 South Braddock Avenue, Suite 296, Pittsburgh, PA 15218

View on Google Maps
Parking:

Free parking lot behind building. Enter from Murray Avenue. Additional street parking on Braddock Ave (2-hour limit).

Public Transit:

PAT Bus Routes 61C, 61D stop at Forbes & Murray (1-block walk).

Arrival Tips:

Suite 296 on 2nd floor (use elevator). Arrive 30 min early. Valid government-issued photo ID required. No personal items allowed in testing room - secure lockers provided.

Harrisburg - PSI Testing Center - Linglestown Road

4309 Linglestown Road, Suite 104, Harrisburg, PA 17112

View on Google Maps
Parking:

Ample free parking in front of building. Shopping center location with overflow parking available.

Public Transit:

CAT Bus Route 11 (Linglestown Rd). Limited Sunday service. Driving recommended for this location.

Arrival Tips:

Ground floor suite in shopping center. Arrive 30 min before scheduled exam time. No late admissions after start time. Calculator provided for exam - cannot bring your own.

Additional testing centers available in: Allentown, Erie, Reading, Scranton

Pennsylvania License Requirements & Costs

Pre-Licensing Education

Salesperson: 75 hours

Broker: 240 hours

Salesperson: 75 hours (Real Estate Fundamentals 30 hrs + Real Estate Practice 45 hrs). Broker: 240 hours total + 3 years experience as salesperson

Fees & Costs

Exam Fee: $49

Application: $97

Fingerprinting: $40

$400-700 total (pre-license course $200-400 + exam $49 + application $97 + fingerprinting $40 + 14-hour post-license course $75-100)

Deadlines & Timeline

Exam Window:
Pre-licensing courses valid for 5 years. Must pass exam within 5-year window of course completion.

Retake Policy:
1 business day wait between attempts. Unlimited attempts within 5-year course validity period.

Background Check:
2-4 weeks typically via FBI and PA State Police

Most Challenging Pennsylvania Exam Topics

Based on student feedback and exam analysis, these are the most difficult topics on the Pennsylvania exam:

1. Act 112 - Agency Relationships & Consumer Notice

Specific Topics:

  • • 11 required provisions in Consumer Notice
  • • When Consumer Notice must be provided (initial interview)
  • • Seller agency vs. buyer agency duties
  • • Dual agency requirements and disclosures
  • • Designated agency (avoiding dual agency)
  • • Transaction licensee (non-agency relationship)

Why It's Difficult: Act 112 creates six different working relationships (seller agent, buyer agent, dual agent, designated agent, transaction licensee, limited representation). Must understand duties and disclosure requirements for each. Consumer Notice must contain all 11 provisions mandated by law.

Exam Weight: 25-30% of state exam (10-12 questions on Agency and Disclosure section + related ethics questions)

Study Tips:

Create comparison chart: Seller Agency (loyalty to seller), Buyer Agency (loyalty to buyer), Dual Agency (disclosure + consent required), Designated Agency (separate agents in same company), Transaction Licensee (no fiduciary duties). Memorize: Consumer Notice provided at INITIAL INTERVIEW before substantive discussion.

2. Chapter 35 - Professional Standards & Conduct

Specific Topics:

  • • Broker of Record responsibilities (§35.271)
  • • Deposit of money requirements - escrow accounts (§35.285)
  • • License requirements and renewal (§35.201-35.203)
  • • Advertising regulations (§35.281)
  • • Record retention (3 years minimum)
  • • Continuing education (14 hours biennial)

Why It's Difficult: Chapter 35 regulations account for 70% of state exam content. Covers all ethical and professional conduct requirements. Detailed rules on money handling, record-keeping, advertising, supervision.

Exam Weight: 70% of state exam (28 questions) - largest section

Study Tips:

Focus on §35.271 (Broker of Record duties), §35.285 (escrow deposits must be within 3 days), §35.336 (Consumer Notice). Study penalty scenarios: commingling funds, failure to supervise, improper advertising. Remember: Records must be kept 3 years.

3. Trust Account Management & Money Handling

Specific Topics:

  • • Deposits must be placed in escrow within 3 business days
  • • Commingling prohibited (mixing personal and client funds)
  • • Interest-bearing vs. non-interest-bearing accounts
  • • Record-keeping requirements (3 years)
  • • Broker of record oversight responsibilities

Why It's Difficult: Strict 3-business-day deposit rule. Commingling = automatic license suspension/revocation. Must track all client funds with detailed records. Broker of record is personally liable for all trust account violations.

Exam Weight: 10-15% of state exam (4-6 questions)

Study Tips:

Memorize: 3 business days to deposit. NEVER commingle funds. All client money goes to broker of record's trust account. Salesperson cannot maintain own escrow account. Keep records 3 years minimum. Study disciplinary case scenarios.

4. Pennsylvania Fair Housing & Discrimination

Specific Topics:

  • • PA Human Relations Act (broader than federal Fair Housing Act)
  • • Protected classes in PA (includes age, ancestry, disability)
  • • Steering and blockbusting prohibited
  • • Discriminatory advertising
  • • Reasonable accommodations for disabilities

Why It's Difficult: PA law includes more protected classes than federal law. Must know both PA Human Relations Act and federal Fair Housing Act. Scenario-based questions test judgment on steering, blockbusting, discriminatory advertising.

Exam Weight: 8-12% of state exam (3-5 questions)

Study Tips:

PA protects: Race, Color, Religion, Sex, National Origin, Ancestry, Age, Familial Status, Disability, Handling Guide Dog. Federal does not include Age or Ancestry. Study advertising language rules: avoid references to protected classes. Focus on steering scenarios.

Pennsylvania Real Estate Career Outlook

Market Statistics

$38,000-$52,000

Avg First Year

$75,000-$95,000 (median $85,999)

Experienced Agent

~62,000 active licenses (38,000 salespersons, 24,000 brokers)

Active Licensees

7% projected growth (2024-2034), slightly above national average

Job Growth

Major Brokerages Hiring in Pennsylvania

Howard Hanna Real Estate Services

Presence: Largest family-owned real estate company in U.S., Pennsylvania headquarters in Pittsburgh, 15,000+ sales associates across PA

Training: Howard Hanna Academy - comprehensive new agent training, mentorship programs, ongoing professional development

New Agent Support: 50/50 to 60/40 splits initially, rising to 80/20 with production. E&O insurance included. Marketing support, CRM system, lead generation programs.

Keller Williams Realty - Pennsylvania Offices

Presence: Multiple offices across Pennsylvania (Philadelphia, Pittsburgh, Harrisburg, Allentown regions), 2,500+ agents statewide

Training: KW MAPS Coaching, Ignite (new agent 90-day program), BOLD (12-week intensive), KW University online platform

New Agent Support: 70/30 split rising to 90/10 after cap ($18,000-$21,000 depending on office). Profit share opportunities. Free KW Command CRM. Lead generation systems.

RE/MAX - Pennsylvania Market Centers

Presence: 130+ RE/MAX offices across Pennsylvania, strong presence in suburban Philadelphia and Pittsburgh markets, 3,000+ agents

Training: RE/MAX University, local office training, satellite training programs, mentorship matching

New Agent Support: Varies by office: 50/50 to 70/30 splits or 95/5 split with monthly desk fee ($800-$1,200). RE/MAX brand recognition. BoostR lead generation platform.

Berkshire Hathaway HomeServices Fox & Roach

Presence: Dominant in Greater Philadelphia area, 4,500+ sales associates, 65+ offices across Southeastern Pennsylvania

Training: Fox & Roach Academy, new agent onboarding (6-week program), continuing education courses, specialized certifications

New Agent Support: 60/40 to 70/30 splits based on production. Buffini coaching included. Berkshire Hathaway network benefits. Strong brand in Philadelphia suburbs.

Pennsylvania-Specific Real Estate Terms

Master these state-specific terms that frequently appear on the Pennsylvania exam:

Consumer Notice (Act 112)

Required written disclosure provided at initial interview containing 11 provisions explaining agency relationships (seller, buyer, dual, designated, transaction licensee)

Importance: Very High - Must be provided before any substantive discussion about property. Failure to provide = violation

Transaction Licensee

Licensee who provides services without establishing agency relationship. Assists with transaction but owes no fiduciary duties to either party

Importance: High - Unique to PA. Alternative to dual agency. Must still provide Consumer Notice

Designated Agency

Within same brokerage, different licensees are designated to represent buyer and seller separately (avoids dual agency)

Importance: High - Allows same company to represent both sides without dual agency concerns

Broker of Record

Supervising broker responsible for all real estate activities of company. Must be licensed broker with at least 3 years experience

Importance: Medium - Key supervisory role. All salesperson activities must be under broker of record

State Exam Faq Title

How many questions are on the Pennsylvania real estate exam?
The Pennsylvania real estate exam has 120 questions total: 80 national questions and 40 state-specific questions. You have 4 hours to complete the entire exam (approximately 2 minutes per question).
What is the passing score for the Pennsylvania real estate exam?
You must score 75% or higher on BOTH portions independently: 60 out of 80 correct on the national portion and 30 out of 40 correct on the state portion. If you fail one portion, you only need to retake that section.
How much does the Pennsylvania real estate exam cost?
The PSI exam fee is $49 per attempt. Total licensing costs include: pre-licensing education ($200-$400), exam fee ($49), application fee ($97), and FBI fingerprinting (~$40). Budget approximately $400-$700 total.
How many hours of pre-license education are required in Pennsylvania?
Pennsylvania requires 75 hours of pre-licensing education for salespersons: 30 hours of Real Estate Fundamentals and 45 hours of Real Estate Practice. Brokers need 240 total hours plus 3 years of salesperson experience.
What is the Pennsylvania Real Estate Commission?
The Pennsylvania State Real Estate Commission, established in 1929, regulates all real estate licensing in the Commonwealth. They enforce Chapter 35 regulations, handle license applications, investigate complaints, and set continuing education requirements. Contact: (717) 783-3658.
How do I schedule my Pennsylvania real estate exam?
Pennsylvania uses PSI for exam administration. After completing your 75-hour pre-licensing education, schedule online at candidate.psiexams.com or call PSI at 1-800-733-9267. Testing centers are available in Philadelphia, Pittsburgh, Harrisburg, and other locations statewide.
What is the Consumer Notice and when must it be provided?
The Consumer Notice is a required written disclosure under Act 112 containing 11 provisions explaining agency relationships. It MUST be provided at the initial interview—before any substantive discussion about real estate needs. Failure to provide it is a license law violation.
What PA-specific topics are tested on the state exam?
Key PA topics include: Act 112 agency disclosure (25-30% of state exam), Chapter 35 regulations (70% of exam), Consumer Notice requirements, seller/buyer/dual/designated agency, transaction licensee relationships, trust account management, and PA Human Relations Act fair housing provisions.
Does Pennsylvania have license reciprocity with other states?
Pennsylvania has reciprocal agreements with several states including Arkansas, Georgia, Louisiana, Maryland, and others. Out-of-state licensees with 3+ years experience may qualify for reduced education requirements, but ALL applicants must pass the Pennsylvania state exam portion.
What are Pennsylvania's continuing education requirements for license renewal?
Pennsylvania requires 14 hours of continuing education every 2 years for license renewal. This includes mandatory topics on agency law updates, fair housing, and ethics. New salespersons must also complete a 14-hour post-licensing course within the first renewal period.
What is the difference between a salesperson and broker license in Pennsylvania?
Salespersons (75 hours education) must work under a broker's supervision. Brokers (240 hours + 3 years experience) can operate independently, supervise salespersons, maintain escrow accounts, and establish their own brokerage. Only brokers can be designated as Broker of Record.
Can I use a calculator on the Pennsylvania real estate exam?
You cannot bring your own calculator to the Pennsylvania real estate exam. PSI provides a basic on-screen calculator within the testing software for math questions involving commission calculations, mortgage payments, prorations, and other numerical problems.
What is the retake policy for the Pennsylvania real estate exam?
If you fail, you can retake the exam after waiting just 1 business day. You only need to retake the portion you failed (national or state). There's no limit on attempts as long as your pre-licensing education remains valid (5-year window from course completion).
Is a background check required for a Pennsylvania real estate license?
Yes, Pennsylvania requires FBI fingerprinting and a Pennsylvania State Police background check. Use IdentoGO or a PA-approved vendor (~$40). Processing takes 2-4 weeks. Criminal history doesn't automatically disqualify you—the Commission reviews each case individually.
How long does it take to get a Pennsylvania real estate license?
Typically 2-4 months: 4-8 weeks for 75 hours of pre-licensing education, 1-2 weeks to schedule and pass the exam, and 2-4 weeks for background check and license processing. Motivated candidates completing online courses can potentially finish in 6-8 weeks.

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