Hepzibah Pyncheon
The elderly spinster who has lived in the house for decades. She is proud, nearly blind, and financially ruined. Her decision to open the cent-shop drives the novel's opening and shows the collision between aristocratic identity and survival.
Clifford Pyncheon
Hepzibah's brother, returned from decades of wrongful imprisonment. He was once sensitive and artistic; prison has left him fragile and childlike. He represents the human cost of the Pyncheon curse and Judge Pyncheon's cruelty.
Judge Jaffrey Pyncheon
The novel's antagonist. He appears respectable and generous but framed Clifford to protect his inheritance. He embodies the Pyncheon pattern of using power and charm to cover up greed and moral corruption.
Phoebe Pyncheon
A young country cousin who arrives at the house and brings warmth and practicality into its gloom. She runs the shop, comforts Clifford, and falls in love with Holgrave. She represents the possibility of a life not defined by the past.
Holgrave
A young daguerreotypist and lodger who is secretly a descendant of Matthew Maule. He is idealistic and skeptical of inherited structures. His choice to love Phoebe rather than pursue revenge against the Pyncheons resolves the novel's central conflict.
Colonel Pyncheon
The founding ancestor whose greed starts everything. He has Maule executed, builds the house on stolen land, and dies on the day it opens. He appears only in backstory but drives the entire plot.
Matthew Maule
The man Colonel Pyncheon destroys. His curse on the Pyncheons shapes the novel's supernatural logic. His descendant Holgrave carries his story into the present, but chooses a different ending.