At a T-junction in piping system, hot and cold water mixes in a whirl. The vibrating mixing boundary between the hot and cold water causes a temperature fluctuation on the inner surface of the pipe just after the connection point at the T-junction, and this temperature fluctuation yields a cyclic thermal stress near the pipe surface, resulting in crack initiation. In this study, the thermal stress distribution was analyzed for a semi-infinite plate model. The allowable water temperature range for the fatigue crack initiation was determined based on the mechanical fatigue test results. The thermal fatigue crack arrest behavior was analyzed based on the distributions of the stress intensity factor. The arrested crack depth is found to be in proportion to the reciprocal root of the frequency of the temperature fluctuation and is 3.8 mm for the frequency of 1 Hz.