<p>Most existing models for laser-induced thermo-mechanical responses in biological tissues assume constant material properties, which can lead to inaccurate predictions of thermal stress and thermal damage. This study develops an analytical framework to investigate pulsed laser-induced thermo-mechanical behavior by incorporating temperature-dependent material properties. Based on the dual-phase-lag bio-heat transfer model and thermo-elastic theory, governing equations with variable parameters are derived. A linearized layered method is applied to handle nonlinearities before solving the system analytically via Laplace transforms. The Stehfest numerical inversion algorithm is used to obtain time-domain solutions. The method is validated against finite-difference simulations and shows excellent agreement. Results demonstrate that temperature-dependent properties significantly influence thermo-mechanical behavior, reducing laser-induced thermal stress amplitude by up to <InlineEquation ID="IEq1"> <EquationSource Format="TEX">\(48.1{\%}\)</EquationSource> <EquationSource Format="MATHML"><math> <mrow> <mn>48.1</mn> <mo>%</mo> </mrow> </math></EquationSource> </InlineEquation> and delaying the cooling process. The proposed approach provides a more accurate tool for predicting thermal damage and stress in laser-based medical applications.</p>