With the rapid development of smart community technologies, how to improve user comfort levels and make full use of renewable energy have become urgent problems. This paper proposes an optimization algorithm to minimize daily energy costs while considering user comfort level and renewable energy consumption rate. In this paper, the structure of a typical smart community and the output models of all components installed in the community are introduced first. Then, the characteristics of different types of loads are analyzed, followed by defining the coefficients of user comfort level. In this step, the influence of load-scheduling on user comfort level and the renewable energy consumption rate is emphasized. Finally, based on the time-of-use gas price, this paper optimizes the daily energy costs for an off-grid community under the constraints of the comfort level and renewable energy consumption rate. Results show that scheduling transferable loads and interruptible loads are not independent to each other, and improving user comfort level requires spending more money as compensation. Moreover, fully consuming renewable energy has side effects on energy bills and battery lifetime. It is more conducive to system economy and stability if the maximum renewable energy consumption rate is restricted to 95%.