To analyze variations in the vertical distribution of water temperatures and the impact of advection in the central Yellow Sea, multi-layer water temperature and current observations were conducted from 31 May to 8 June 2021. Water temperatures exhibited a typical three-layer summer structure, with a uniform deep-layer temperature averaging 8.23 ± 0.05 °C. The current field was dominated by northeast–southwest tidal currents, but residual current characteristics indicated that non-tidal components significantly influenced circulation. Water temperature changes lagged tidal changes by about 3 h, with strong correlations (R > 0.7), especially in deep layers. Residual currents showed significant correlations with water temperature variations, which were attributed to advective displacement or baroclinic currents. Empirical orthogonal function (EOF) and complex EOF analyses revealed that thermocline variations (T1, explaining approximately 75% of total variance) were driven by strong northward (C1, approximately 34%) and cyclonic (C2, approximately 32%) advection. In deep layers, slight temperature changes were caused by southward Yellow Sea Cold Water Mass (C1) and northward Yellow Sea Warm Current Water (C2) propagation. This study confirms that vertical water temperature variations result from a complex interaction between various advection patterns, with southward tide-induced residual currents (C3, approximately 12%) playing a key dynamic role.