The invention discloses a family load optimized dispatching method based on demand response. The family load optimized dispatching method is characterized by comprising the following steps: 1, dividing family loads into transferable loads and non-transferable loads according to load characteristics; 2, establishing a target function of a family load optimized dispatching model considering a power consumption cost, an incentive income and inconvenience comprehensively according to the transferable loads; 3, determining constraint conditions of the family load optimized dispatching model, and forming a family load optimized dispatching model based on demand response together with the target function; and 4, solving the family load optimized dispatching model through a binary particle swarm optimization, and obtaining an optical dispatching result of the transferable loads. By adoption of the family load optimized dispatching method disclosed by the invention, the optimized dispatching of the transferable loads in the family can be realized, the transferable loads within a peak electricity price time period are transferred to a valley electricity price time period and a common electricity price time period, thereby reducing the family power consumption cost, realizing a peak shaving and valley filling function of the power grid, and thus the operation security and stability of the power grid in the time division electricity price environment.