The bending mechanical properties and fracture characteristics of cemented tailings-waste rock backfill (CT-WRB) have a significant impact on efficient mine production. In this study, the effects of waste rock content (WRC) and waste rock size (WRS) on the bending mechanical properties and macroscopic failure characteristics of CT-WRB were investigated through experiments. Concurrently, PFC3D numerical simulation software was used to establish a three-point bending numerical model of CT-WRB with actual waste rock shapes to explore the crack evolution law and microscopic damage characteristics. Results showed that adding appropriate waste rock improved the initial stiffness, flexural strength, and modulus of the backfill, with optimal WRC and WRS at 40 % and 4–6 mm, respectively. Simulations indicated that under load, the displacement field of CT-WRB formed a vortex, with tensile stress in the middle and lower parts and compressive stress in an upper arch. Cracks started at the bottom and extended upward, leading to failure. Compared to OCTB (without waste rock incorporation), CT-WRB had more total cracks and tension-shear composite failure of internal particles. Waste rock altered stress distribution and crack paths, resulting in curved, bifurcated, and discontinuous main cracks. These findings provide a reference for efficiently recycling tailings, waste rock and ensuring safe mine production.