A solar heating system (SHS) with a phase change material (PCM) thermal storage tank is proposed with the view that traditional heat water storage tanks present several problems including large space requirements, significant heat loss and unstable system performance. An entire heating season (November–March) is selected as the research period on the basis of numerical models of the SHS-PCM. In addition, taking a public building in Lhasa as the object, the heating conditions, contribution rate of solar energy, and overall energy-saving capability provided by the heating system are analyzed under different PCM storage tanks and different terminal forms. The results show that an SHS with a PCM tank provides a 34% increase in energy saving capability compared to an ordinary water tank heating system. It is suggested that the design selection parameters of the PCM storage tank should specify a daily heat storage capacity that satisfies 70~80% of the entire heating season. A floor radiant system with supply/return water temperatures of 40/35 °C provides the optimal operation and the largest energy saving capability.