Winnipesaukee has 253 islands, and dozens of them carry private homes that trade quietly every season. About 23 island properties change hands in a typical year, and most buyers never hear about them because nobody covers this market. We do. It starts with a boat ride from our side of the lake.
An island place is not a waterfront house with a longer driveway. It is a different way of doing summer, and the people who love it would not trade it for the nicest road-access home on the lake. Here is the honest picture.
The boat is the driveway
You keep a slip or a mooring on the nearest shore, load the groceries at the dock, and run across. For most islands that is a ten or twenty minute ride, and after the first weekend it stops being a logistics problem and becomes the best part of arriving.
Everything comes across the water
Lumber arrives by barge, the mail arrives by mail boat on the islands it serves, and big projects get planned around the calendar and the weather. It is all routine for the builders and barge operators who work this lake, and it is why island homes get kept rather than casually replaced.
Quieter than any shore road
No road noise, no headlights sweeping the yard, no drive-by traffic at all. Island communities are small and tend to be tight, many with their own associations, and evenings belong to the loons. That kind of quiet does not exist on the mainland shore at any price.
The Islands People Ask About
Every island answers to a mainland town for taxes and permits, and each has its own character and its own market. These are the ones with the most activity, with the sales record to show for it. Most sit on Winnipesaukee. A few, marked below, sit on Lake Wentworth, quieter water just east of the big lake, and we cover those too.
The most active island market on the lake. A long, steep ridge rising out of deep water on the Alton side, with camps tucked along the shoreline and a well-organized owners association.
A big, wooded island off Tuftonboro in the Broads, with everything from simple camps to substantial year-round-built homes. We know it well: we rent a home on Cow Island all summer.
The largest boat-access island on Winnipesaukee and a summer community since the 1880s, complete with its own chapel and a stop on the mail boat route.
Off West Alton near Rattlesnake, with sweeping views up the Broads. The feed spells it three different ways, which tells you how long the families out there have been writing their own deeds.
A short run out of Gilford, big enough for real variety and close enough to the mainland that the boat ride is part of the fun rather than a commitment.
A planned summer colony off Meredith Neck, surveyed in 1898 into twenty shoreline lots around a communal center the founders called the Oval. Cottages here pass down through families, so listings are years apart.
The second-largest island in Lake Wentworth, a few minutes off the Wolfeboro shore. A cottage association founded by Methodist ministers in 1905, still closely held, and rarely for sale.
The record also shows sales on Whortleberry Island, Chase Island, Pitchwood Island, Camp Island, Treasure Island, Keniston Island, Diamond Island, Melody Island, Lockes Island, Gansy Island, Little Gansy Island, Badger Island, Dow Island, Hermit Island, Farm Island, Tip Island, Windswept Island, Two Mile Island, Welcome Island, Little Beaver Island, Stonedam Island, Littlest Mud Island, Moose Island, Woodmans Cove Island, Mink Island, Timber Island, Eagle Island, Loon Island, Penny Island, Turtle Island, Chapman Island, Filgate Island, Gypsy Island, Horse Island, Helen Island, Little Six Mile Island, Worcester Island. If you have your eye on one of them, call us. Small-island sales tend to happen by word of mouth before they happen on the MLS.
The best way to know whether island life suits you is a week of it: the boat runs, the groceries, the quiet. We rent this island home all summer, Saturday to Saturday, booked personally through our Wolfeboro office.
Long Island, Black Cat Island, Governors Island are true islands on the chart, but each is connected by bridge, so they live like waterfront neighborhoods: cars in the driveway, plows in the winter. They are deliberately kept out of the island market above, and we cover them with the rest of the shoreline. If a bridge is your comfort line, here is what is on and around each of them.
Island lots still come up for sale, and island construction happens on this lake every year. It simply moves by barge: materials, equipment, even the concrete truck. The rules are the same NH shoreland and septic rules that govern any waterfront build, applied to a lot you reach by boat, so the design work and the contractor choice matter more than usual.
Yes. Winnipesaukee has 253 islands, and dozens of them carry private homes and camps that trade on the open market. There are 18 island properties on the market right now, and roughly 23 island properties change hands in a typical year. The most active islands are Rattlesnake Island, Cow Island, and Bear Island.
By boat, and that is the whole point. Most island owners keep a boat slip or mooring at a marina or town dock on the nearest shore, run across in ten or twenty minutes, and leave a second cart or workboat at the island dock. Guests learn the route after one trip. A few islands, like Long Island and Black Cat Island, are connected by bridge, but those live like regular waterfront neighborhoods and we treat them that way.
Right now island listings run from $350,000 for buildable land up to $20,000,000 for the most substantial homes. A modest island camp generally costs well under what the same footage brings on the mainland shore, which is exactly why people who mostly want the water, not the driveway, look at islands first.
It varies by island and by property, and it is the first thing to verify on any listing. Many of the larger islands have utility power run to them and others rely on solar and generators. Water is typically drawn from the lake or a drilled well, and waste is handled by a septic system designed for the lot. None of this is exotic, but each system needs to be understood before you offer, and we walk buyers through exactly that.
Yes. Island construction happens every year on Winnipesaukee, it just moves by barge. Materials, equipment, and crews are floated across, which adds cost and planning but is routine for the local builders who do it. The same NH shoreland and septic rules apply as anywhere on the lake, and buildable island lots still come up for sale.
A handful of people do, but the honest answer is that island life on Winnipesaukee is a three-season proposition for nearly everyone. Once the lake ices in, access means waiting for safe ice or not going at all, and most island homes are built and plumbed as seasonal places. Think of an island home as the best summer address on the lake rather than a year-round residence.
Yes, with the right setup and the right expectations. We manage a summer rental program on Lake Winnipesaukee and rent an island home on Cow Island week after week; the renters who choose it are looking for exactly that experience. If you own an island place and want it working for you, talk to us about what it would rent for.
Every island is part of a mainland town for taxes, schools, and permits: Rattlesnake, Sleepers, and the Barndoors are Alton; Cow and Little Bear are Tuftonboro; Bear Island is Meredith; Welch, Mark, and Lockes are Gilford. The MLS record shows sales on 46 different Winnipesaukee islands.
Island life still runs through the mainland: the marina, the town dock, dinner ashore. These are the pages island owners and their guests actually use.
We have worked this lake from Wolfeboro since 1940, and the islands are the part of the market where knowing the water matters most. Tell us which island has your attention, or let us tell you which one should.