To address the issues of poor thermal performance and high energy consumption in rural dwellings in cold regions of China, this study investigates multi-type energy-efficient retrofitting strategies for rural houses in the Hebei–Tianjin region. By utilizing a two-step cluster analysis method, 458 rural dwellings from 32 villages were classified based on household demographics, architectural features, and energy consumption patterns, identifying three typical categories: pre-1980s adobe dwellings, 1980s–1990s brick–wood structures, and post-1990s brick–concrete houses. Tailored sunspace design strategies were proposed through simulation: low-cost plastic film sunspaces for adobe dwellings (dynamic payback period: 2.8 years; net present value: CNY 2343), 10 mm hollow polycarbonate (PC) panels for brick–wood structures (cost–benefit ratio: 1.72), and high-efficiency broken bridge aluminum Low-e sunspaces for brick–concrete houses (annual natural gas savings: 345.24 m³). Economic analysis confirmed the feasibility of the selected strategies, with positive net present values and cost–benefit ratios exceeding 1. The findings demonstrate that classification-based retrofitting strategies effectively balance energy-saving benefits with economic costs, providing a scientific hierarchical implementation framework for rural residential energy efficiency improvements in cold regions.