Real Estate License from Missouri to Tennessee: Does It Transfer? (2026)
Last verified: 2026-07-21 · source: Tennessee Real Estate Commission (TREC) / TN Department of Commerce & Insurance ↗
A real estate license transfers from Missouri to Tennessee by endorsement — there is no automatic reciprocity, but you do not start over. Apply to the Tennessee Real Estate Commission (TREC) / TN Department of Commerce & Insurance, verify your Missouri license, and meet Tennessee's endorsement requirements. Tennessee offers no reciprocal license, but a holder of an active out-of-state real estate license may qualify under Tennessee statute to substitute their real estate education, the national portion of the examination, and/or their experience for Tennessee's requirements; the Tennessee (state) portion of the PSI exam is still required.
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Verdict
Licensure by endorsement
Tennessee publishes no agreement covering Missouri, but it does evaluate out-of-state licensees individually — so this move runs on Tennessee's endorsement judgment rather than a guarantee. The requirements below are what the Tennessee Real Estate Commission (TREC) / TN Department of Commerce & Insurance commits to in writing; for anything discretionary (exam waivers, education credit), get the commission's answer in writing before you rely on it.
What changes, Missouri → Tennessee
| Missouri (current) | Tennessee (destination) | |
|---|---|---|
| Training hours | 72 | 90 |
| Application fee | $100 ($100 original salesperson issuance fee effective 7/1/2024; plus $52 State Salesperson examination fee paid to PSI and a separate IDEMIA/IDENTOGO fingerprint fee) | $91 (Initial Real Estate Affiliate Broker application fee filed at core.tn.gov; separate PSI exam and IdentoGO fingerprint vendor fees apply) |
| Processing time | MREC does not publish an out-of-state processing timeline | Commission does not publish a processing-time estimate |
| Licensing authority | Missouri Real Estate Commission (MREC), Division of Professional Registration | Tennessee Real Estate Commission (TREC) / TN Department of Commerce & Insurance |
The destination column is what you must satisfy — Tennessee sets the rules for this move.
Step by step
- Confirm Tennessee's current requirements on the Tennessee Real Estate Commission (TREC) / TN Department of Commerce & Insurance website (linked below) — rules change.
- Submit the endorsement application to the Tennessee Real Estate Commission (TREC) / TN Department of Commerce & Insurance (application linked below).
- Arrange license verification from your current state.
- Complete a 60-hour real estate principles/fundamentals course plus the 30-hour Course for New Affiliates (may be substituted for a qualifying out-of-state licensee).
- Pass the PSI licensing examination (Tennessee state portion required).
- Provide proof of errors and omissions (E&O) insurance and proof of high school graduation.
- Complete the Eligibility for Entitlements Verification form.
- Complete an electronic fingerprint-based TBI/FBI background check (ORI# TN920784Z, service code 28TZ99).
- Application must be signed by your Principal Broker.
- Pay the fees ($91 (Initial Real Estate Affiliate Broker application fee filed at core.tn.gov; separate PSI exam and IdentoGO fingerprint vendor fees apply)) and allow Commission does not publish a processing-time estimate.
Official links
Related guides
Frequently asked questions
Does Tennessee accept a Missouri real estate license?
A real estate license transfers from Missouri to Tennessee by endorsement — there is no automatic reciprocity, but you do not start over. Apply to the Tennessee Real Estate Commission (TREC) / TN Department of Commerce & Insurance, verify your Missouri license, and meet Tennessee's endorsement requirements. Tennessee offers no reciprocal license, but a holder of an active out-of-state real estate license may qualify under Tennessee statute to substitute their real estate education, the national portion of the examination, and/or their experience for Tennessee's requirements; the Tennessee (state) portion of the PSI exam is still required.
Which exams will I take moving from Missouri to Tennessee?
Tennessee offers no reciprocal license, but a holder of an active out-of-state real estate license may qualify under Tennessee statute to substitute their real estate education, the national portion of the examination, and/or their experience for Tennessee's requirements; the Tennessee (state) portion of the PSI exam is still required.
What does the move cost?
$91 (Initial Real Estate Affiliate Broker application fee filed at core.tn.gov; separate PSI exam and IdentoGO fingerprint vendor fees apply) (Initial Real Estate Affiliate Broker application fee filed at core.tn.gov; separate PSI exam and IdentoGO fingerprint vendor fees apply).
Can I keep selling in Missouri after I'm licensed in Tennessee?
Yes — real estate licenses stack. Keep the Missouri license active (renewals and CE continue separately) and you hold both; many border-market agents do exactly this.
Sources
Primary sources only — official boards and compact commissions. Data last verified 2026-07-21.
- TN Real Estate Commission - Renewal, Reciprocity & Other Resources ↗ (accessed 2026-07-21)
- TN Real Estate Commission - Affiliate Broker Licensure (requirements) ↗ (accessed 2026-07-21)
- MREC — Nonresident/Out-of-State Licensing Requirements (salesperson section) ↗ (accessed 2026-07-21)
- MREC — Examination Fees (State Salesperson ONLY $52) ↗ (accessed 2026-07-21)
- MREC — Application and License Fee Changes effective July 01, 2024 (Salesperson $100 original issuance) ↗ (accessed 2026-07-21)
Reviewed by Billy Reiner, Editor · verified against primary sources 2026-07-21
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