Urban planning in China is shifting from an administrative unit-based approach to community life circle planning, aiming to align planning units with residents’ actual activity ranges. As the most fundamental life circle, daily life circle (DLC) planning must adopt a bottom-up approach. However, the widely applicable methods for delineating DLCs remain lacking. This study presents a strategy for delineating DLCs centered on neighborhood commercial areas that aggregate essential daily life services. Correspondingly, a method is proposed for identifying neighborhood commercial areas based on residents’ actual usage of facilities. The method was applied in Qinhuai District, Nanjing, where neighborhood commercial areas were identified and the factors influencing their formation and types were quantitatively analyzed. The results indicate the following: (1) the proposed method accurately identifies neighborhood commercial areas that can serve as DLC central areas; (2) commercial diversity, public transportation stops, and parking spots are the three most influential factors in neighborhood commercial area formation, exhibiting non-linear and threshold effects; and (3) the type of neighborhood commercial areas varies by population density, housing prices, and street betweenness, with betweenness being the most significant factor. These findings provide methods and indicators for DLC delineation and planning, contributing to the realization of the DLC construction concept.