diff --git a/src/components/home/study-matching-toggle.tsx b/src/components/home/study-matching-toggle.tsx
index 56883428..52164ea5 100644
--- a/src/components/home/study-matching-toggle.tsx
+++ b/src/components/home/study-matching-toggle.tsx
@@ -6,7 +6,7 @@ import {
   usePatchAutoMatchingMutation,
   useUserProfileQuery,
 } from '@/entities/user/model/use-user-profile-query';
-import { usePhoneVerificationStore } from '@/features/phone-verification/model/store';
+import { usePhoneVerificationStatus } from '@/features/phone-verification/model/use-phone-verification-status';
 import PhoneVerificationModal from '@/features/phone-verification/ui/phone-verification-modal';
 import StartStudyModal from '@/features/study/participation/ui/start-study-modal';
 import { useAuth } from '@/hooks/common/use-auth';
@@ -20,7 +20,9 @@ export default function StudyMatchingToggle() {
   const { mutate: patchAutoMatching, isPending } =
     usePatchAutoMatchingMutation();
 
-  const { isVerified, setVerified } = usePhoneVerificationStore();
+  const { isVerified, setVerified } = usePhoneVerificationStatus(
+    memberId ?? undefined,
+  );
   const [isVerificationModalOpen, setIsVerificationModalOpen] = useState(false);
 
   const [enabled, setEnabled] = useState(false);
diff --git a/src/entities/user/model/use-user-profile-query.ts b/src/entities/user/model/use-user-profile-query.ts
index e7283e61..2837f0f5 100644
--- a/src/entities/user/model/use-user-profile-query.ts
+++ b/src/entities/user/model/use-user-profile-query.ts
@@ -37,7 +37,7 @@ export const usePatchAutoMatchingMutation = () => {
       const prev = qc.getQueryData(['userProfile', memberId]);
       if (prev && typeof prev === 'object') {
         qc.setQueryData(['userProfile', memberId], {
-          ...(prev as any),
+          ...prev,
           autoMatching,
         });
       }
diff --git a/src/features/phone-verification/model/use-phone-verification-status.ts b/src/features/phone-verification/model/use-phone-verification-status.ts
new file mode 100644
index 00000000..d6f2916c
--- /dev/null
+++ b/src/features/phone-verification/model/use-phone-verification-status.ts
@@ -0,0 +1,128 @@
+'use client';
+
+import { useEffect, useMemo } from 'react';
+import { useUserProfileQuery } from '@/entities/user/model/use-user-profile-query';
+import { useAuth } from '@/hooks/common/use-auth';
+import { usePhoneVerificationStore } from './store';
+
+/**
+ * @deprecated usePhoneVerificationStore를 직접 사용하지 마세요.
+ * 대신 usePhoneVerificationStatus 훅을 사용하세요.
+ *
+ * 이유:
+ * - usePhoneVerificationStore는 localStorage 기반으로 서버 상태와 불일치할 수 있음
+ * - usePhoneVerificationStatus는 서버 상태를 단일 진실 공급원으로 사용
+ *
+ * @see usePhoneVerificationStatus
+ */
+export { usePhoneVerificationStore } from './store';
+
+/**
+ * 본인인증 상태를 서버 데이터와 동기화하여 반환하는 훅
+ *
+ * 문제:
+ * - Zustand의 localStorage 기반 상태는 다른 브라우저/기기에서의 인증 상태를 반영하지 못함
+ * - localStorage가 삭제되면 인증이 풀린 것처럼 보임
+ * - 다른 계정이 같은 번호로 인증하면 기존 계정의 인증이 해제되지만 클라이언트는 모름
+ *
+ * 해결:
+ * - 서버의 userProfile.isVerified 또는 memberProfile.tel을 단일 진실 공급원으로 사용
+ * - Zustand 상태는 UI 반응성을 위한 캐시로만 활용
+ * - 서버 데이터로 Zustand 상태를 자동 동기화
+ *
+ * @param overrideMemberId - 특정 memberId로 조회할 때 사용 (선택)
+ */
+export function usePhoneVerificationStatus(overrideMemberId?: number) {
+  const { data: authData } = useAuth();
+  const memberId = overrideMemberId ?? authData?.memberId ?? null;
+
+  const { data: userProfile, isLoading: isProfileLoading } =
+    useUserProfileQuery(memberId ?? 0);
+
+  const {
+    isVerified: zustandIsVerified,
+    phoneNumber: zustandPhoneNumber,
+    setVerified,
+    reset,
+  } = usePhoneVerificationStore();
+
+  // 서버 데이터 기반 인증 상태 계산
+  const serverIsVerified = userProfile?.isVerified ?? false;
+  const serverPhoneNumber = userProfile?.memberProfile?.tel ?? null;
+
+  // 서버 데이터를 우선시하여 최종 인증 상태 결정
+  // 서버에 tel이 있으면 인증된 것으로 간주 (isVerified보다 tel 존재 여부가 더 확실한 지표)
+  const isVerified = useMemo(() => {
+    // 프로필 로딩 중일 때는 Zustand 상태를 임시로 사용 (UI 깜빡임 방지)
+    if (isProfileLoading && !userProfile) {
+      return zustandIsVerified;
+    }
+
+    // 서버에 전화번호가 있으면 인증 완료
+    if (serverPhoneNumber) {
+      return true;
+    }
+
+    // 서버의 isVerified 플래그 확인
+    if (serverIsVerified) {
+      return true;
+    }
+
+    // 서버 데이터가 없으면 미인증
+    return false;
+  }, [
+    isProfileLoading,
+    userProfile,
+    zustandIsVerified,
+    serverPhoneNumber,
+    serverIsVerified,
+  ]);
+
+  const phoneNumber = useMemo(() => {
+    if (isProfileLoading && !userProfile) {
+      return zustandPhoneNumber;
+    }
+
+    return serverPhoneNumber ?? null;
+  }, [isProfileLoading, userProfile, zustandPhoneNumber, serverPhoneNumber]);
+
+  // 서버 데이터와 Zustand 상태 동기화
+  useEffect(() => {
+    if (isProfileLoading || !userProfile) return;
+
+    if (serverPhoneNumber) {
+      // 서버에 전화번호가 있으면 Zustand도 동기화
+      if (!zustandIsVerified || zustandPhoneNumber !== serverPhoneNumber) {
+        setVerified(serverPhoneNumber);
+      }
+    } else if (!serverIsVerified) {
+      // 서버에서 인증이 해제되었으면 Zustand도 초기화
+      if (zustandIsVerified) {
+        reset();
+      }
+    }
+  }, [
+    isProfileLoading,
+    userProfile,
+    serverPhoneNumber,
+    serverIsVerified,
+    zustandIsVerified,
+    zustandPhoneNumber,
+    setVerified,
+    reset,
+  ]);
+
+  return {
+    isVerified,
+    phoneNumber,
+    isLoading: isProfileLoading,
+    // 원본 상태들 (디버깅용)
+    _serverIsVerified: serverIsVerified,
+    _serverPhoneNumber: serverPhoneNumber,
+    _zustandIsVerified: zustandIsVerified,
+    _zustandPhoneNumber: zustandPhoneNumber,
+    // Zustand 액션 (인증 완료 시 호출용)
+    setVerified,
+    reset,
+  };
+}
diff --git a/src/features/study/group/ui/apply-group-study-modal.tsx b/src/features/study/group/ui/apply-group-study-modal.tsx
index 1f2c3b1a..7df7451d 100644
--- a/src/features/study/group/ui/apply-group-study-modal.tsx
+++ b/src/features/study/group/ui/apply-group-study-modal.tsx
@@ -8,7 +8,7 @@ import { useController, useForm } from 'react-hook-form';
 import Button from '@/components/ui/button';
 import Checkbox from '@/components/ui/checkbox';
 import { Modal } from '@/components/ui/modal';
-import { usePhoneVerificationStore } from '@/features/phone-verification/model/store';
+import { usePhoneVerificationStatus } from '@/features/phone-verification/model/use-phone-verification-status';
 import PhoneVerificationModal from '@/features/phone-verification/ui/phone-verification-modal';
 import { GroupStudyDetailResponse } from '../api/group-study-types';
 import {
@@ -33,7 +33,8 @@ export default function ApplyGroupStudyModal({
   onSuccess,
 }: ApplyGroupStudyModalProps) {
   const [open, setOpen] = useState<boolean>(false);
-  const { isVerified, setVerified } = usePhoneVerificationStore();
+  // 서버 상태와 동기화된 인증 상태 사용
+  const { isVerified, setVerified } = usePhoneVerificationStatus();
   const [isVerificationModalOpen, setIsVerificationModalOpen] = useState(false);
 
   const handleOpenChange = (isOpen: boolean) => {
diff --git a/src/features/study/group/ui/group-study-form-modal.tsx b/src/features/study/group/ui/group-study-form-modal.tsx
index 3f922ed7..9df04ea6 100644
--- a/src/features/study/group/ui/group-study-form-modal.tsx
+++ b/src/features/study/group/ui/group-study-form-modal.tsx
@@ -8,7 +8,7 @@ import { useEffect, useState } from 'react';
 
 import { GroupStudyFullResponseDto } from '@/api/openapi';
 import { Modal } from '@/components/ui/modal';
-import { usePhoneVerificationStore } from '@/features/phone-verification/model/store';
+import { usePhoneVerificationStatus } from '@/features/phone-verification/model/use-phone-verification-status';
 import PhoneVerificationModal from '@/features/phone-verification/ui/phone-verification-modal';
 import GroupStudyForm from './group-study-form';
 
@@ -57,7 +57,8 @@ export default function GroupStudyFormModal({
     refetch: refetchGroupStudyInfo,
   } = useGroupStudyDetailQuery(groupStudyId!);
 
-  const { isVerified, setVerified } = usePhoneVerificationStore();
+  // 서버 상태와 동기화된 인증 상태 사용
+  const { isVerified, setVerified } = usePhoneVerificationStatus();
   const [isVerificationModalOpen, setIsVerificationModalOpen] = useState(false);
 
   const handleVerificationComplete = (phoneNumber: string) => {
diff --git a/src/features/study/participation/ui/reservation-list.tsx b/src/features/study/participation/ui/reservation-list.tsx
index 31e54d70..f6bda17a 100644
--- a/src/features/study/participation/ui/reservation-list.tsx
+++ b/src/features/study/participation/ui/reservation-list.tsx
@@ -8,7 +8,7 @@ import {
   useUserProfileQuery,
 } from '@/entities/user/model/use-user-profile-query';
 import ProfileDefault from '@/entities/user/ui/icon/profile-default.svg';
-import { usePhoneVerificationStore } from '@/features/phone-verification/model/store';
+import { usePhoneVerificationStatus } from '@/features/phone-verification/model/use-phone-verification-status';
 import PhoneVerificationModal from '@/features/phone-verification/ui/phone-verification-modal';
 import ReservationCard from '@/features/study/participation/ui/reservation-user-card';
 import StartStudyModal from '@/features/study/participation/ui/start-study-modal';
@@ -36,7 +36,10 @@ export default function ReservationList({
   const { data: userProfile } = useUserProfileQuery(memberId ?? 0);
   const autoMatching = userProfile?.autoMatching ?? false;
 
-  const { isVerified, setVerified } = usePhoneVerificationStore();
+  // 서버 상태와 동기화된 인증 상태 사용
+  const { isVerified, setVerified } = usePhoneVerificationStatus(
+    memberId ?? undefined,
+  );
   const [isVerificationModalOpen, setIsVerificationModalOpen] = useState(false);
 
   const firstMemberId = useMemo(
diff --git a/src/features/study/participation/ui/start-study-modal.tsx b/src/features/study/participation/ui/start-study-modal.tsx
index 19d9b940..582734c6 100644
--- a/src/features/study/participation/ui/start-study-modal.tsx
+++ b/src/features/study/participation/ui/start-study-modal.tsx
@@ -23,7 +23,7 @@ import {
   useUpdateUserProfileInfoMutation,
 } from '@/features/my-page/model/use-update-user-profile-mutation';
 
-import { usePhoneVerificationStore } from '@/features/phone-verification/model/store';
+import { usePhoneVerificationStatus } from '@/features/phone-verification/model/use-phone-verification-status';
 import PhoneVerificationModal from '@/features/phone-verification/ui/phone-verification-modal';
 
 import {
@@ -99,7 +99,8 @@ export default function StartStudyModal({
   open,
   onOpenChange,
 }: StartStudyModalProps) {
-  const { isVerified, setVerified } = usePhoneVerificationStore();
+  // 서버 상태와 동기화된 인증 상태 사용
+  const { isVerified, setVerified } = usePhoneVerificationStatus(memberId);
   const [isVerificationModalOpen, setIsVerificationModalOpen] = useState(false);
 
   const [internalOpen, setInternalOpen] = useState(false);
diff --git a/src/widgets/home/todo-list.tsx b/src/widgets/home/todo-list.tsx
index 71c04340..333e4e8c 100644
--- a/src/widgets/home/todo-list.tsx
+++ b/src/widgets/home/todo-list.tsx
@@ -2,7 +2,7 @@
 
 import { useState } from 'react';
 import Button from '@/components/ui/button';
-import { usePhoneVerificationStore } from '@/features/phone-verification/model/store';
+import { usePhoneVerificationStatus } from '@/features/phone-verification/model/use-phone-verification-status';
 import PhoneVerificationModal from '@/features/phone-verification/ui/phone-verification-modal';
 import CheckIcon from 'public/icons/check.svg';
 
@@ -17,7 +17,7 @@ const todoItems = [
 ] as const;
 
 export default function TodoList({ statusList }: TodoListProps) {
-  const { isVerified, setVerified } = usePhoneVerificationStore();
+  const { isVerified, setVerified } = usePhoneVerificationStatus();
   const [isVerificationModalOpen, setIsVerificationModalOpen] = useState(false);
 
   const handleVerificationComplete = (phoneNumber: string) => {