The soil beneath buildings constructed in cold regions is affected by frost heave, causing the walls to crack and even the buildings to incline and collapse. Therefore, predicting the frost heave when subjected to overburden pressure is crucial for engineering buildings in cold areas. Utilizing the conservation equation of mass, Darcy’s equation, and the assumption that the pore water pressure at the top of a frozen fringe, denoted as uw, during the quasi-steady state can be approximately estimated using the Clapeyron equation, a quasi-steady frost heave rate model considering the overburden pressure was proposed. This study considered the difference in pore water pressure within the frozen fringe, which causes water to move from the unfrozen zone to the ice lens, where it subsequently accumulates and freezes into ice. The pore water pressure at the bottom of the frozen fringe, denoted as uu, can be estimated using the soil water characteristic curve (SWCC). The thickness of the frozen fringe was determined using the freezing temperature, segregation temperature, and temperature gradient. The segregation temperature was determined using the two-point method. Additionally, the model suggested that, when uw = uu, the movement of water stopped, leading to the end of frost heave. To validate the proposed model, three existing frost-heaving experiments were analyzed. The findings demonstrated that the estimated rates of frost heave of the samples closely matched the experimental data. Additionally, external pressure delayed water migration. This study can offer theoretical support for building engineering in cold regions.