Real Estate CE Requirements by State: 2026 Guide
Real estate continuing education (CE) requirements vary significantly by state, ranging from 0 hours in some states to 45+ hours in others on a 2-4 year renewal cycle. Most states require between 12-24 hours annually, with specific topics often mandated by the state real estate commission.
Why Continuing Education Matters
CE keeps agents current on legal changes, market trends, and best practices. Beyond compliance, quality CE courses can improve your business skills and help you better serve clients.
Benefits Beyond Compliance
- Stay updated on legal and regulatory changes
- Learn new marketing and technology strategies
- Network with other professionals
- Maintain professional credibility
State-by-State Overview
High CE Requirement States (24+ hours)
| State | Hours | Cycle | Notes |
|---|---|---|---|
| Texas | 18 | 2 years | First renewal requires 90 hours |
| California | 45 | 4 years | Specific topic requirements |
| Florida | 14 | 2 years | Additional post-licensing |
| New York | 22.5 | 2 years | Fair housing required |
Moderate CE Requirement States (12-23 hours)
Most states fall into this category, requiring 12-16 hours every 2 years. Common requirements include:
- Legal updates (1-3 hours)
- Ethics (2-4 hours)
- Fair housing (2-3 hours)
- Elective topics (remaining hours)
Low or No CE States
Some states have minimal requirements:
- Indiana: 12 hours every 2 years
- Michigan: 6 hours per year
- Some states: Allow exam waiver for experienced agents
Common Required Topics
Mandatory Topics in Most States
- Fair Housing - Federal and state fair housing laws
- Agency Law - Disclosure and representation requirements
- Legal Updates - Recent legislation and case law
- Ethics - NAR Code of Ethics or state-specific ethics
Popular Elective Topics
- Contract writing and negotiation
- Property management
- Commercial real estate
- Real estate technology
- Risk management
Completion Options
Online vs. In-Person
| Format | Pros | Cons |
|---|---|---|
| Online | Flexible, self-paced | Less interaction |
| In-person | Networking, immediate Q&A | Fixed schedule, travel |
| Hybrid | Best of both worlds | Limited availability |
Most states now accept online CE, making it easier to complete requirements around your schedule.
Tracking Your Requirements
Best Practices
- Set calendar reminders 60 days before deadline
- Keep certificates for 3-5 years minimum
- Verify provider approval before enrolling
- Check your state portal for completion records
Common Mistakes to Avoid
- Waiting until the last minute
- Taking unapproved courses
- Missing renewal deadlines
- Not keeping proof of completion
Late Renewal Consequences
Missing your renewal deadline can result in:
- Late fees: $50-500+ depending on state
- License suspension: Immediate in some states
- Reinstatement requirements: Additional courses or exams
- Business interruption: Cannot practice during lapse
Finding Approved Providers
Look for courses through:
- State real estate commission websites
- NAR and state association programs
- Accredited real estate schools
- Major CE providers (CE Shop, Kaplan, etc.)
Key Takeaways
- Research your specific state requirements early
- Complete CE well before your deadline
- Choose quality courses that add value beyond compliance
- Keep records of all completed courses
Check your state’s specific requirements through our state licensing guides to ensure you stay compliant.