The stray current generated by subway running into the ground makes the main transformer in the urban area in a direct current (DC) bias state. First, the mathematical model of the metro stray current field is established and the Galerkin finite element method is applied to calculate the model. Then, the dynamic model of the stray current-induced geoelectric field under different working conditions is established by using ANSYS software, and the three-dimensional numerical simulation study of the stray current-induced geoelectric field of the subway is carried out. Finally, taking the Urumqi subway in Xinjiang as an example, the stray current-induced geoelectric field is calculated and simulated, and the correctness of the model is verified by comparing with the measured data of DC magnetic bias in the urban substation. The research can provide useful reference for the calculation and treatment of DC bias of the main transformer in the urban area under the action of stray current.