The invention discloses phase-change heat-insulation interior wall coating, which is characterized by comprising elastic emulsion, water, dispersing agent, wetting agent, thickener, antiseptic, hollow polyurethane microspheres, nano titanium dioxide and non-transparent polymers, wherein the hollow polyurethane microspheres wrap polyethylene glycol with the molecular weight ranging from 1000-2000. The temperature can be regulated by making full use that the polyethylene glycol generates phase change at the different temperatures to result in physical changes of heat release and heat absorption, light reflection of the nano titanium dioxide plays a role in radiation and heat insulation, and a conductivity coefficient is decreased in the presence of the hollow swelling microspheres and the non-transparent polymers. The phase-change heat-insulation interior wall coating is particularly suitable for indoor external layers by combining the three heat-insulation mechanisms of phase change, radiation and conductivity.