Urbanization in the 21st century has reshaped carbon stock distributions through the expansion of cities. By using the PLUS and InVEST models, this study predicts land use and carbon stocks in Wuhan in 2050 using three future scenarios. Employing local Moran’s I, we analyze carbon stock clustering under these scenarios, and the Getis–Ord Gi* statistic identifies regions with significantly higher and lower carbon-stock changes between 2020 and 2050. The results reveal a 2.5 Tg decline in Wuhan’s carbon stock from 2000 to 2020, concentrated from the central to the outer city areas along the Yangtze River. By 2050, the ecological conservation scenario produced the highest carbon stock prediction, 77.48 Tg, while the economic development scenario produced the lowest, 76.4 Tg. High-carbon stock-change areas cluster in the north and south, contrasting with low-change area concentrations in the center. This research provides practical insights that support Wuhan’s sustainable development and carbon neutrality goals.