In the field investigation of rural dwellings, it was found that thermal feelings are significantly different with varied envelopes even under the same indoor air temperature, and this paper explores the phenomenon in simulation. Based on building thermal investigations in several villages of North China, a typical energy and environment simulation model for rural residences was developed using DeST, and the hourly parameters of temperature and humidity were used to calculate the adaptive thermal comfort (APMV) of the rooms. The results show that the main reason for the different thermal comfort at the same air temperature is the large difference in the inner surface temperature. By adjusting the insulation thickness of the envelope structure, the relationship between it and the APMV value is obtained. By adjusting the insulation thickness of the enclosure structure and getting the correlation between it and the APMV value, it is obtained that when the heat transfer coefficient of the enclosure structure meets 0.5 W/(m²·K), the indoors can be in thermal comfort. This paper considers that the indoor air temperature cannot represent the APMV to evaluate the indoor thermal comfort, and the APMV value should be used to evaluate the thermal comfort of the renovated building and calculate the corresponding energy saving rate.