The present invention discloses a method for producing urea phosphate by using wet-process phosphoric acid, belonging to the chemical engineering field. The method comprises the following steps of: taking the wet-process phosphoric acid with a concentration of between 25 and 50 percent of P2O5 as measured weight, and adding the wet-process phosphoric acid in a reaction kettle which is provided with a stirring device and a heating device; starting the stirring device to heat the wet-process phosphoric acid to a temperature of between 60 and 95 DEG C; adjusting a rotational speed of a stirrer to between 60 and 300 revolutions/min, and adding a reaction activating agent and a suspending agent in the reaction kettle, with a dosage of the activating agent being 0.1 to 1.2 per thousand of phosphoric acid in a reaction system, and a dosage of the suspending agent being 0.2 to 1.0 per thousand of the phosphoric acid in the reaction system; keeping stirring for 5 to 10 minutes, and adding urea, in which a mol ratio of the urea to the phosphoric acid is between 1.0 and 1.4, in the reaction kettle, and maintaining the reaction temperature for 0.5 to 1.5 hours; closing the heating device, cooling and crystallizing to room temperature, and separating a dried product; and using a separated mother solution to produce wood fire retardant or fertilizer. The method has the characteristics of simple process, high coefficient of recovery, high product purity, low manufacturing cost, cleanness without pollution and so on.