Fancy your own tropical island? It's cheaper than you think.

The lease for part of an island in Queensland's idyllic Whitsundays is going for $985,000 - about the same as an inner Sydney townhouse.

There's also an annual $17,000 fee to lease the four-hectare section of St Bees Island, which is owned by the Australian government.

Located in the South Cumberland Group of Islands, St Bees Island lies about 20km from Mackay on Queensland's central coast.

The deal includes a sandy beach and three cottages - tropical sunsets and lack of neighbours are a bonus.

The rest of the island is national park.

Agent Kim Griffiths said the lease was being sold by a syndicate of five locals and had many selling points.

"There wouldn't be too many people that haven't entertained the prospect of an island life," he told AAP.

The island would suit a retiree and the buyer should expect a lot of visitors, he added.

"When you live in a place like that you become instantly more attractive," he said.

To get to St Bees Island it's a 12 minute regular charter flight or a one-hour boat trip from the Mackay Marina.

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