To address the problems of increasing uncertainty caused by distributed generation and lower efficiency of energy system planned separately in urban hybrid area of commerce and residence, the optimum configuration of energy stations in urban hybrid area of commerce and residence is studied based on the integrated planning of electrical and heat system. First, the multi-state models of photovoltaic during each period in typical days are built. Then, the bi-level programming model of the new-built energy stations in electrical and heat network near consumers is presented, whose upper and lower objectives are the minimum of the annual and operating costs separately under some confidence level based on chance constrained programming. Optimum dispatch of the controlled distributed energy unit is also considered based on the electrical and heat power flow, which conforms to the real operation of the system, thus the final calculation is more accurate. Last, the elitist strategy genetic algorithm based on segmented chromosome coding is applied to solve the proposed model. The simulation results indicate that the integrated planning contributes to a lower operating cost and less emission of pollutants, also higher reliability of system brings about the decreasing economy, thus both the sensitivity of capital’s improvement and the real requirements of system should be considered to keep a balance between the economy and reliability. This work is supported by Research on Key Technology of the User-side Micro Energy Grid Power Unit and Energy Network Planning chnology Project of State Grid Corporation of China (No. 52467K150007).