Environmental factors like temperature and humidity have been shown to influence arthritis symptoms in older adults, and HVAC equipment can regulate indoor environmental parameters. This study aimed to explore the pathways and effectiveness of residential HVAC usage behavior during winter on arthritis conditions. Conducted across four major climate zones in China, this cross-sectional study involved 3579 older adults aged 60–74 years and collected data on demographics, residential environments, lifestyles, and health outcomes. Utilizing Partial Least Squares - Structural Equation Modeling (PLS-SEM), a complex structural equation model (SEM) and an HVAC-Health mediation model was developed to analyze the relationships among influencing factors and health outcomes. Results revealed that socio-economic status, building characteristics, lifestyles, HVAC usage behavior, and indoor environmental exposure significantly affect the frequency of arthritis flare-ups (p < 0.05). Specifically, lifestyles, indoor wet and cold exposures have strong direct effects on health outcomes, with path coefficients of 0.178, 0.155 and 0.143, respectively. Moreover, HVAC usage indirectly influences health through mediators, with cold exposure (β = 0.045, p < 0.001), air pollution (β = 0.025, p < 0.001), and wet exposure (β = 0.012, p = 0.001) ranked in terms of their mediating effects. This research underscores the crucial role of HVAC systems in mitigating arthritis symptoms in older adults, advocating for enhanced implementation of HVAC technologies in senior housing to promote health and well-being. The originality of this study lies in employing the PLS-SEM method to elucidate how the indoor environment—particularly under the premise of HVAC usage—affect arthritis symptoms in older adults.