Urban well-being in China emerges from spatially uneven configurations of development intensity, environmental pressure, governance input, public-service capacity, land-use transformation, and urban–rural conditions. Using a balanced panel of 294 Chinese prefecture-level cities from 2004 to 2023 (5880 city–year observations), this study combines spatial mapping, Local Moran’s I, Getis–Ord Gi*, and two-way fixed-effects (TWFE) models to examine how governance-related conditions and ecological and environmental pressure are associated with resident well-being. Prefecture-level cities are treated as urban–rural territorial governance units encompassing urban cores, peri-urban areas, and surrounding county-level jurisdictions. Spatial diagnostics reveal non-identical clustering of resource and environmental intensity (REI), government regulation and investment (GRI), ecological and environmental pressure (EEP), and resident well-being (RWB). REI is positively associated with EEP, and this association remains positive after excluding observations containing ordinary statistical completion. EEP is negatively associated with RWB in the full-sample TWFE and one-year-lagged specifications, but the association weakens in the 2014–2023 and restricted samples, indicating temporal and sample boundaries rather than a stable mediating mechanism. GRI shows contrasting cross-city and within-city patterns, consistent with a distinction between governance capacity and pressure-responsive adjustment. Dimension-level results further show that EEP is negatively associated with rural disposable income, whereas medical service capacity is positively associated with rural disposable income. Overall, the study provides a spatially grounded account of heterogeneous governance–environment–welfare relationships across Chinese prefecture-level territories.