Oil-immersed transformers play a pivotal role owing to their environmentally friendly characteristics, compact footprint, and cost-effectiveness. Ensuring the online monitoring of oil-immersed transformers is a fundamental measure to ensure the secure and stable operation of modern power systems. In this paper, metal particle cluster-doped SnS is firstly used in the adsorption and sensing of decomposition components (CO, C2H2) under fault conditions in oil-immersed transformers. The study comprehensively analyzed band structure, differential charge density, density of states, and molecular orbital theory to unveil the adsorption and sensing mechanisms of target gases. The findings suggest that the modification of metal particle clusters can enhance the surface electronic properties of single-layer SnS. In the regions of metal particle clusters and the gas–surface reaction area, electronic activity is significantly heightened, primarily attributed to the contribution of d-orbital electrons of the metal cluster structures. The modified SnS exhibits adsorption capacity in the following order: Ru3-SnS > Mo3-SnS > Au3-SnS. Additionally, the modified material demonstrates increased competitiveness for C2H2, with adsorption types falling under physical chemistry adsorption. Different metal elements exert diverse effects on the electronic distribution of the entire system, providing a theoretical foundation for the preparation of corresponding sensors. The findings in this work offer numerical insights for the further preparation and development of SnS nanosensors, concurrently shedding light on the online monitoring of faults in oil-immersed transformers.