This paper presents an urban resilience evaluation index system and evaluation on the clustering of educational resources based on the data of 80 prefecture-level cities in China’s central region in 2012, 2016, and 2020. The results reveal a rising trend of urban resilience in the central region of China, with the provincial capital cities exhibiting the highest levels of resilience. Educational resources are clustered in urban areas of provincial capital cities and other prefectural-level cities. Furthermore, clustering of educational resources has a significant impact on urban resilience. Policy factors play a significant role in moderating the relationship between educational resource clustering and urban resilience in large cities; however, this moderating role is not significant in small cities. These findings have significant implications for the optimal allocation of educational resources, promotion of urban resilience, and advancement of social equity.