The present invention provides a ehat-developabel photosensitive material comprising a support having provided thereon an image forming layer containing a photosensitive silver halide, a non-photosensitive organic silver salt, a reducing agent, and a binder, wherein a binder of an outermost layer at a side of the support at which the image forming layer is provided includes a latex polymer such as an ionomer type urethane polymer latex in an amount of 85 mass % or more, preferably 90 mass % or more, and more preferably 95 mass % or more. The heat-developable photosensitive material may also have a layer adjacent to the outermost layer which layer contains a binder that gels due to temperature reduction or contains a binder containing a water-soluble polymer derived from animal protein in an amount of 50 mass % or more.