The clearance between the inner ring (IR) of rolling bearing and rotor is directly proportional to the temperature rise. The increased friction between the inner ring and rotor, as well as changes in the frequency of rolling bearing defects, and the accuracy of bearing health monitoring decreases. Existing research cannot effectively solve this problem. In response to the above issues, in this paper, the clearance between the bearing IR and the rotor and the internal clearance of bearing were considered, and the clearance was considered as the motion boundary of the rotor inside the IR, dynamic models of the bearing IR, outer ring (OR), and rolling element defects were established, and the trend of rolling bearing defects frequencies with temperature was analyzed, then the rationality of the dynamic models were verified through experimental methods. The research results show that the friction between the rotor and the IR increases with increasing temperature, and the speed of the IR decreases accordingly. The characteristic frequencies of defects in the IR, OR, and rolling element of rolling bearings have decreased by approximately 6.42%, 8.07%, and 6.93% compared to the theoretical values without considering temperature, respectively. This indicates that when identifying the frequency of rolling bearing defects at different temperatures, the frequency deviation caused by the increase in clearance between the IR and the rotor should be considered. The research results may serve as an important basis for fault diagnosis and condition monitoring of rolling bearings.