The modeling and vibration transfer function of in-plane rigid-elastic-coupled tire model is put forward for researching the heavy-loaded radial tire with the feather of larger radial length and width ratio. The coupled characteristic of tread and sidewall is taken into consideration, and the coupled natural frequencies are analyzed with the normal pressure and fixed rim. The rigid-elastic coupling equation is modeled with the flexible beam on elastic foundation, which tread is modeled as the Euler beam and the sidewall is regarded as the sub-sectional spring with lumped mass. The dynamic equation is discrete with finite difference method, and three-parameter rigid-elastic-coupled tire model is derived based on the geometrical and structural parameters. The structural parameters of the tire are identified by the genetic algorithm based on the experimental modal parameter of heavy-loaded tire, and the higher order modal frequency is predicted with the analytic method. The analytical transfer function between tread and tread, tread and sidewall is derived. Experimental and theoretical results show that the in-plane rigid-elastic-coupled tire model can achieve the higher precision on predicting the transfer function and vibration feature of heavy-loaded tire within the frequency band of 300 Hz, compared with the method which only considers the coupling of tread and rim and is limited to 180 Hz.