The rising energy consumption in residential buildings within the hot summer and cold winter (HSCW) climate zone, driven by occupants’ pursuit of improved thermal comfort, necessitates effective energy conservation measures. This study established urban building energy models for 32,145 residential buildings in Changsha City, China, and conducted a comprehensive retrofit analysis of seven energy conservation measures (ECMs). Additionally, the study assessed the impact of residents’ conscious energy-saving behaviors concerning air conditioner (AC) control. The research commenced by creating six baseline models representative of the diverse building stock. Identifying seven commonly used ECMs, the study examined the potential of each measure for enhancing energy efficiency. To facilitate the analysis, a dedicated toolkit, AutoBPS-Retrofit, was developed to efficiently modify the baseline model for each ECM. Furthermore, the investigation delved into the investment cost of implementing the ECMs and evaluated their simple payback year (PBP) and net present value (NPV). The results demonstrate that tailored retrofit plans are essential when addressing envelope improvements, varying according to building types and ages. Retrofits targeting lighting systems offer both promising energy savings and favorable economic viability, albeit subject to residents’ preferences. Alternatively, upgrading the AC systems emerges as the most energy-efficient approach, yet the economic assessment raises concerns. The study’s findings offer practical insights for governments seeking to establish effective carbon reduction goals and policies. Moreover, the research can assist energy-saving institutions, real-estate companies, and stakeholders involved in renovation projects by offering guidance in making informed decisions to enhance energy efficiency in city-scale residential buildings.