The burning accidents of insulation joints often occur in high-speed railway stations. The wheel-rail contact resistance is an important factor to cause the burning loss of insulation joints by wheel-rail arc. Therefore, accurate calculation of contact resistance is important for analyzing the burning loss of insulation joint. The level of the contact resistance mainly depends on the area of the wheel and rail contact spots. In this paper, first, the wheel-rail contact area under different working conditions was calculated by ANSYS. Then, the influence of the train axle load and offset on contact spot area was investigated. The results show that when axle load increased from 9 t to 27 t, the wheel-rail contact resistance decreased by nearly 36.2%. The wheel-rail contact resistance decreased by 18.9% when the lateral displacement increased by 10 mm. The change of wheel-rail contact resistance presented the same trend with the increase of axle load and wheel-rail contact resistance.