Abstract: Based on the theoretical frame of multi-phase porous medium for saturated frozen soils, the momentum equilibrium equation, the continuity equation, and the energy equation of the coupled model for frozen soils are simplified through the introduction of Clapeyron equation to describe the temperature gradient on the moisture migration in freezing zone and considering the actual engineering characteristics in cold regions. The program of the FEM resolution for the coupled heat-moisture-deformation model for civil engineering in cold zone is established under the plane strain. The simulated results for analyzing Penner's lab heaving tests are introduced to check and validate the rationality and reliability of the proposed model.