Escalating global climate change and the intensification of urban heatwaves have led to an increase in summer air conditioning cooling energy consumption. This phenomenon is particularly critical in tropical regions, as it may trigger an energy crisis. The rational setting of indoor thermal design parameters can help conserve energy to the maximum extent while ensuring thermal comfort for occupants. This study selected Haikou City, a unique tropical city in China, as the research location. Indoor environment measurements and a questionnaire survey were conducted with participants, and the outdoor thermal environment sensitivity, population attributes and differences in thermal sensation, thermal neutral temperature, and comfort range were calculated and analyzed. The following results were obtained. Based on the overall population, long-term residence, and temporary residence classification, the indoor thermal comfort needs of residents in tropical cities in Haikou were effectively identified. The actual thermal neutral temperature of the overall population is 25.7 °C, and 90% of the acceptable thermal comfort temperature range is 23.2 °C–28.0 °C. The actual thermal neutral temperature of the regular residents is 27.3 °C, and 90% of the acceptable thermal comfort temperature range is 23.3 °C–31.4 °C. The actual thermal neutral temperature of the temporary population is 25.5 °C, and 90% of the acceptable thermal comfort temperature range is 23.0 °C–28.0 °C. These research results have an important reference value for improving the setting of the temperature of air conditioning in tropical areas in summer and further reducing energy consumption, which is conducive to sustainable development.