Provided is a man-clothing-environment (MCE) simulator quantitatively measuring properties of clothes to transfer heat and moisture between human skin and an external environment. The MCE simulator includes a hot chamber providing a high-temperature environment, a cold chamber providing a low-temperature environment, a skin model selectively coupled to the hot chamber or the cold chamber while being vertically erect, a water supplier supplying water to a hot plate included in the skin model, and a controller controlling the hot chamber, the cold chamber and the skin model, and processing data on temperature and humidity measured by sensors. The skin model includes the hot plate receiving heat and water while being vertically erect and simulating human skin, a ring-shaped frame coupled to a side of the hot plate and supporting a fabric to be separated from the side of the hot plate, and the sensors measuring temperature and humidity inside and outside the fabric. The MCE simulator may properly simulate a state of wearing clothes by employing the vertical skin model and effectively measure properties of clothes to transfer heat and moisture according to rapid changes in an external environment by including the hot and cold chambers.