As global climate change accelerates, the urban heat island (UHI) phenomenon has become increasingly pronounced, posing significant challenges to urban energy balance, atmospheric processes, and public health. This study used the Weather Research and Forecasting (WRF) model to dynamically downscale two CMIP6 scenarios—moderate forcing (SSP245) and high forcing (SSP585)—focusing on Zhengzhou, a rapidly urbanizing city in central China. High-resolution simulations captured fine-scale intra-urban temperature patterns and analyze the spatial and seasonal variations in UHI intensity in 2030 and 2060. The results demonstrated significant seasonal variations in UHI effects in Zhengzhou for both 2030 and 2060 under SSP245 and SSP585 scenarios, with the most pronounced warming in summer. Notably, under the SSP245 scenario, elevated autumn temperatures in suburban areas reduced the urban–rural temperature gradient, while intensified rural cooling during winter enhanced the UHI effect. These findings underscore the importance of integrating high-resolution climate modeling into urban planning and developing targeted adaptation strategies based on future UHI patterns to address climate challenges.