Abstract A wave–current coupled numerical model with 3D radiation stress formalism is used to study baroclinic effects, specifically stratification and baroclinic pressure gradient force (BcPGF), on wind-wave-driven flows, separated as vertically sheared flows and vertically homogeneous flows. Numerical experiments are conducted under ideal offshore winds of 8 m s−1. Results show that stratification enhances the two-layer structure of the wave-driven sheared flow, while BcPGF has minimal impact. Stratification and BcPGF have limited influence on the direction of the wave-driven depth-averaged circulation, but they can enhance the total circulation by promoting the upper one. In the upper layer where form drag dominates, the competition between the vertical form drag divergence (FDD) and turbulent stress divergence (TSD) plays a critical role in shaping the wave-driven flow. Stratification reduces vertical eddy viscosity Km, suppressing the growth of TSD associated with the vertical shear of velocity, which facilitates the FDD driving the upper outflow. Likewise, stratification can enhance the effect of FDD curl on the upper horizontal circulation by limiting the growth of TSD curl related to the vertical shear of vorticity. Additionally, low Km reinforces geostrophic effect and therefore enhances the lateral circulation. Baroclinic torque contributes to reducing the vertical variation of vorticity and the growth of TSD curl, indirectly improving the effectiveness of FDD curl in driving the upper circulation. Stratification undergoes fortnightly adjustments due to the spring–neap cycle, leading to the synchronized variation in the strength of wave-driven flow, particularly its vertically sheared component. During neap tides with weak tidal forcing and well-developed stratification, wave-driven sheared flow, horizontal circulation, and lateral circulation are stronger. Significance Statement The aim of this study is to enhance our comprehension of the impact of baroclinic processes on wind-wave-driven flows in wind-dominated regimes. During summer, wave-driven flows exhibit noticeable vertical shearing, which differ from those observed in winter. This is particularly important because during summer, river runoffs generate strong stratification and introduce large quantities of terrigenous materials into coastal oceans. Consequently, wave-driven flows may play a crucial role in bay-shelf exchange, which has been given in few studies. Our findings highlight the influence of baroclinic processes on turbulent stress divergence, which can enhance wave-driven flows, both the vertically sheared and the vertically homogeneous components, especially during neap tides.