The invention discloses an indoor geothermal heating structure utilizing a capillary network and a phase-change thermal storage material, which belongs to the technical field of solar building heating. The structure includes a floor decoration layer, an upper phase change material, a capillary grid, a lower phase change material, a reflection film, an insulation layer and a floor base layer from top to bottom. The floor decoration layer is supported by dragon frames laid on the insulation layer, the dragon frames pass through the tube gaps of capillary grids, and the phase change material layers are arranged between adjacent dragon frames. The hot water from the low-temperature heat source exchanges heat with the upper and lower phase-change materials in the capillary, and supplies heat to the room through the floor decoration layer; at night, the phase-change material solidifies and releases heat to supply heat to the room through the floor decoration layer. The indoor geothermal heating structure of this capillary network and phase change heat storage material has the characteristics of large heat exchange area, uniform temperature, fast start-up, less space occupation, more flexible layout, and convenient installation. The indoor temperature is uniform, and the indoor thermal comfort is good. Wide application prospects and promotion value.