To study the mechanical characteristics of the suspension cable crossing pipe bridge under the coupling of multiple loads, by establishing a three-dimensional finite element model and combining numerical simulation methods, the dynamic response characteristics of the pipe bridge under the coupling of three dynamic loads, namely pulsating wind load, pipe cleaning dynamic load and seismic load, were systematically analyzed for the first time. The results show that compared with the single-load condition, the multi-load coupling effect causes a significant increase in the deformation and stress of the pipe bridge, among which the seismic load is the main cause of the structural deformation and stress increase. Pulsating wind loads mainly cause lateral deformation of pipe bridges, while dynamic loads during pipe cleaning mainly lead to vertical deformation. When multiple loads are coupled, the maximum stresses of the stiffening beams and wind cables show a significant increase, indicating that the coupling effect has a stronger potential destructive effect on the structure. It is evident that in the design and maintenance of suspension cable crossing pipe Bridges, it is crucial to fully consider the coupling effect of multi-load coupling, and reasonable reinforcement measures should be taken to enhance the overall stability of the structure.