Abstract Ground-heat transfer is tightly coupled with soil-moisture transfer. The coupling is threefold: heat is transferred by thermal conduction and by moisture transfer; the thermal properties of soil are strong functions of the moisture content; and moisture phase change includes latent heat effects and changes in thermal and hydraulic properties. A heat and moisture transfer model was developed to study the ground-coupled heat and moisture transfer from buildings. The model also includes detailed considerations of the atmospheric boundary conditions, including precipitation. Solutions for the soil temperature distribution are obtained using a finite element procedure. The model compared well with the seasonal variation of measured ground temperatures.