Abstract: Narrowing the urban-rural income gap is a critical issue for achieving common prosperity and advancing coordinated development of the Beijing-Tianjin-Hebei(BTH) region in the new era. Based on 2 846 micro-level observations from the China Family Panel Studies(CFPS) in the BTH region during 2014—2022, matched with the Peking University Digital Inclusive Finance Index at the county level, this study constructs a two-way fixed effects model to systematically examine the impact of digital inclusive finance development on household per capita income and its underlying mechanisms. The findings are as follows: First, digital inclusive finance development significantly increases household per capita income in the BTH region, with the promoting effect on rural residents being approximately twice that on urban residents, exhibiting a distinct pro-poor characteristic that contributes to narrowing the urban-rural income gap. Second, three types of robustness checks, using alternative dependent variables, employing two-period lags of core variables, and excluding the 2020 pandemic sample, together with endogeneity tests by the Bartik instrumental variable approach, all support the above conclusions. Third, mechanism analysis reveals that digital inclusive finance enhances household income by facilitating rural residents' transition from traditional agricultural sectors to non-agricultural employment or self-employment,with employment transformation playing a significant mediating role in this process. These conclusions provide micro-level empirical evidence for collaboratively advancing digital inclusive finance development in the BTH region and promoting rural non-agricultural employment to narrow the urban-rural income gap.