| 1 | Katharine | Thatcher | Narrator and Protagonist. Aka: Katy. |
| | Austin | Bishop | Katy's friend. |
| | Jessie | Wood | Katy's friend. |
| | Paul | Bishop | Austin's brother. |
| | Mr. | Bishop | A lawyer. Austin and Paul's father. |
| | Whittaker | | The dry-goods store owner. |
| | Levi | | Thatcher's stable boy. |
| | Jed | | One of Doc Thatcher's horses. |
| | Dahlia | | One of Doc Thatcher's horses. |
| | Naomi | | Katy's family cook. |
| | Laura Paisley | Bishop | The baby that Mrs. Bishop found in the garden. |
| 2 | Miss | Dunbar | Katy's teacher. |
| | Peggy | Stoltz | The newly hired girl of Doc Thatcher. |
| | Mrs. | Stoltz | Peggy's mother. |
| | Henry | Thatcher | Katy's father. The town's doctor. |
| | Anna | Stoltz | Peggy's sister. |
| | Jacob | Stoltz | The retarded boy that Katy befriended. Peggy's brother. |
| | Nell | | Peggy's sister who lives in Mr. Bishop's attic. |
| | Pepper | | Katy's dog. |
| 3 | Miss | Abbott | The seamstress. |
| | Sturges | | One of Doc Thatcher's patients. |
| | Jackson | | Doc Thatcher's clerk. |
| 4 | Miss | Winslow | The librarian. |
| 5 | Mrs. | Stevenson | One of Thatcher's neighbors. |
| | Mattie | Washington | One of Doc Thatcher's patients. |
| 6 | Caroline | Thatcher | Katy's mother. |
| 7 | Edward | | Katy's schoolmate. |
| | Molly | | One of the fire victims. |
| | Rosie | | One of the fire victims. |
| | Kate | | One of the fire victims. |
| | Mary | Goldstein | One of the fire victims. Deceased. |
| 9 | Gram | | Katy's grandmother. |
| | James | | Caroline's brother. Katy's uncle. |
| | Eleanor | | Katy's aunt. |
| 10 | Pup | | Jacob's dog. |
| | Punch | | One of Doc Thatcher's horses. |
| | Judy | | Doc Thatcher's former dog. Deceased. |
| | Mr. | Ledbetter | The feed store owner. |
| | Mary | Thatcher | Katy's baby sister. |
| 11 | Floyd | Lehman | The boy that Peggy Likes. |
| 12 | Harriet | Shafer | One of Doc Thatcher's patients. |
| | Benny | Shafer | Mrs. Shafer's son. |
| | William | Shafer | Mrs. Shafer's son. |
| | Ben | Shafer | Doc Thatcher's old classmate. Harriet's husband. |
| 13 | Mrs. | Cooper | One of Katy's neighbors. |
| 14 | Miss | Moody | Katy's new teacher. |
| | Flora | | The Bishop's newly hired girl. Levi's sister. |
| | Goldy | | The doll that Jacob gave to Katy. |
| 15 | Norman | | One of Katy's friends. |
| | Kenneth | | One of Katy's friends. |
