Improving the thermal environment quality of residential buildings under the demand of low-carbon operation is beneficial to residents' physical and mental health. The existing research has not dynamically simulated the indoor thermal environment of residential buildings for longer time, nor has linked the low-carbon demand with the thermal environment optimization method of residential buildings. Therefore, this study relates to the optimization strategies and energy-saving technologies on thermal environment of residential buildings under the demand of low-carbon operation. Firstly, it analyzes the indoor thermal environment of residential buildings based on the external disturbance conditions, internal disturbance conditions and ventilation, developed the heat transfer model for the facade of residential buildings, and calculates the indoor air temperature. Then, it explores the indoor heat distribution mechanism of residential buildings under the heating mode of concentrated heat source, and analyzes the generation process of hot jet above the heat source and the influence of concentrated heat source on temperature distribution. Finally, the study provides the calculation method of carbon emission from common energy sources in residential buildings. Experimental results verify the effectiveness of the proposed method, and the corresponding suggestions on thermal environment optimization and energy saving for residential buildings are provided.