Anne Elliot – The second daughter of Sir Walter Elliot. Anne is intelligent, accomplished and attractive, and is unmarried at 27, having broken off seven years earlier her engagement to Frederick Wentworth, then a naval commander. Anne fell in love with Wentworth but was persuaded by her late mother's friend, Lady Russell, to reject his proposal because of his uncertain prospects and lack of money, and Anne's youth. Anne rejects Charles Musgrove's proposal a few years later, knowing she still loves Wentworth, but it is only when Wentworth returns from fighting abroad that she finally confronts her unfulfilled feelings for him.
Captain Frederick Wentworth – A naval officer, about 31 years old, who proposed to Anne some seven years earlier. At the time, he had no fortune and uncertain prospects, but owing to his achievements in the Napoleonic Wars, he advanced in rank and in fortunes. He is one of Sophia Croft's two brothers. He gained his step to post Captain, and gained wealth amounting to about £25,000 from prize money awarded for capturing enemy vessels. He is an eminently eligible bachelor, eager to settle down with a good woman.
Sir Walter Elliot, Bt. – A vain and self-satisfied baronet. Sir Walter is a man whose extravagance since the death of his prudent wife thirteen years before has put his family into dire financial straits, forcing him to lease his estate, Kellynch Hall, to Admiral Croft and rent a more economical residence in Bath. Despite being strongly impressed by wealth and status, he allows Mrs Clay, who is beneath him in social standing, to join his household as a companion to his eldest daughter.
Elizabeth Elliot – The eldest and most beautiful of Sir Walter's three daughters, who appears to be his favourite. Elizabeth encourages her father's imprudent spending and extravagance and like her father, she has a tendency to be narcissistic, while she herself desires marriage after spending most of her life managing the family home in her mother's place. She and her father regard Anne as inconsequential, wanting to ensure only that she marries a man who can enhance the Elliot family's social standing.
Mary Musgrove – The youngest daughter of Sir Walter, married to Charles Musgrove. Mary is attention-seeking, always looking for ways she might have been slighted, and often claims illness when she is upset. She is just as obsessed with social standing and wealth as the rest of her family, and opposes sister-in-law Henrietta's interest in marrying a cousin, Charles Hayter, whom Mary feels is unworthy of being married to a woman of means.
Charles Musgrove Jr. – Son of Charles Musgrove Sr. Husband of Mary and heir to the Musgrove estate. He first proposes to Anne, who refuses as she does not love him. He marries Mary about five years before the story opens, and they have two sons. He is a cheerful man, who loves hunting and endures his wife's faults.
Lady Russell – An intimate friend of the late Lady Elliot and the godmother of Anne, of whom she is particularly fond. She is instrumental in Sir Walter's decision to leave Kellynch Hall and avoid financial ruin. She values social rank and finds in Anne the Elliot daughter most like her late friend, which led her to persuade the young Anne not to marry Wentworth seven years earlier on account of his lack of wealth.
Penelope Clay – A poor widow with children, daughter of Sir Walter's lawyer, and companion of Elizabeth Elliot. She aims to flatter Sir Walter into marriage while her oblivious friend looks on. Later, she abandons the family to become the unmarried mistress of William Elliot.
Admiral Croft – A good-natured, plainspoken tenant at Kellynch Hall and brother-in-law of Captain Wentworth. In his naval career, he was a captain when he married, present at the major Battle of Trafalgar in 1805, then assigned to the East Indies, and now holds the rank of rear admiral of the white.
Sophia Croft – Sister of Captain Wentworth and wife of Admiral Croft for the last fifteen years. She is 38 years old. She offers Anne an example of a strong-minded woman who has married for love instead of money and who has a good life as a naval wife.
Louisa Musgrove – Second sister of Charles Musgrove, aged about 19. Louisa is a high-spirited young woman who has returned with her sister from school. She likes Captain Wentworth and seeks his attention. She is ultimately engaged to Captain Benwick after recovering from her serious fall in Lyme Regis. Her brother Charles notices that she is less lively after suffering the concussion.
Henrietta Musgrove – Eldest sister of Charles Musgrove. Henrietta, aged about 20, is informally engaged to her cousin, Charles Hayter, but is tempted by the more dashing Captain Wentworth. Once Hayter returns home, she again connects with him.
Captain Harville – A friend of Captain Wentworth. Wounded two years previously, he is slightly lame. Wentworth has not seen his friend since the time of that injury, and is eager to reconnect. Harville and his family are settled in nearby Lyme for the winter. His wife tends to Louisa, and the children come to stay with the Musgroves for the Christmas holiday.
Captain James Benwick – A friend of Captains Harville and Wentworth. Benwick was engaged to marry Captain Harville's sister Fanny, but she died while Benwick was at sea. He gained prize money as a lieutenant and was promoted to commander (thus earning the right to be called Captain). Benwick's enjoyment of reading gives him a connection with Anne as does her willingness to listen to him in his time of deep sadness. Benwick was with Louisa Musgrove during her recovery, at the end of which they become engaged to marry.
William Elliot – A distant relation ("great grandson of the second Sir Walter" when it is not stated from which later holder of the baronetcy Sir Walter descends in order to be the current holder of the title) and the heir presumptive of Sir Walter. It is later revealed that, beneath his charming veneer, Mr Elliot is a cold, calculating opportunist. He became estranged from the family when he married a woman of lower social rank for her fortune and actively insulted his uncle; his relatives cast him aside, until he returned as a wealthy man when they desperately needed money. Despite rumours that he is interested in Elizabeth, he instead turns his attentions towards Anne. He is a widower, eager to claim the social value of the title that he will someday inherit. He also has an interest in Mrs Clay, Elizabeth's companion, and she later becomes his mistress, although this turns out largely to be an attempt by William to stop his uncle from remarrying and potentially producing a son who would inherit Kellynch instead of William.
Mrs Smith – A friend of Anne Elliot who lives in Bath. Mrs Smith is a widow who suffers ill health and financial difficulties. She keeps abreast of the doings of Bath society through news she gets from her nurse, Rooke, who tends the wife of a friend of William Elliot's. Her financial problems could have been straightened out with assistance from William Elliot, her husband's friend and executor of his will, but Elliot's greed led him to hide most of her remaining fortune with the expectation that he would eventually be able to take it for himself. Wentworth eventually acts on her behalf when William departs Bath, allowing Mrs Smith to claim her money.
Lady Dalrymple – A viscountess, cousin to Sir Walter. She occupies an exalted position in society by virtue of wealth and rank. Sir Walter and Elizabeth are eager to be seen at Bath in the company of this great relation and her daughter, Miss Carteret, at a time when their own social status is in question.
Miss Carteret – Daughter of Lady Dalrymple, who is always in tow behind the viscountess. Considered by Anne and others to be undeserving and very ordinary in intelligence and social graces. Elizabeth, who is more socially motivated, tolerates her company.
