The construction of large-scale infrastructure, such as power facilities, requires extensive use of reinforced concrete. The durability degradation of reinforced concrete structures in chloride environments involves multi-physics coupling effects, chloride ion diffusion, rebar corrosion, and concrete damage. Existing models neglect the coupling mechanisms among these processes and the influence of mesoscale structural characteristics. Therefore, this study proposes a diffusive–mechanical coupled phase field by integrating the phase field, chloride ion diffusion, and mechanical equivalence for rebar corrosion, establishing a multi-physics coupling analysis framework at the mesoscale. The model incorporates heterogeneous meso-structure of concrete and constructs a dynamic coupling function between the phase field damage variable and chloride diffusion coefficient, enabling full-process simulation of corrosion-induced cracking under chloride erosion. Numerical results demonstrate that mesoscale heterogeneity significantly affects crack propagation paths, with increased aggregate content delaying the initiation of rebar corrosion. Moreover, the case with corner-positioned rebar exhibits earlier cracking compared to the case with centrally located rebar. Furthermore, larger clear spacing delays delamination failure. Comparisons with the damage mechanics model and experimental data confirm that the proposed model more accurately captures tortuous crack propagation behavior, especially suitable for evaluating the durability of reinforced concrete components in facilities such as transmission tower foundations, substation structures, and marine power facilities. This research provides a highly accurate numerical tool for predicting the service life of reinforced concrete power infrastructure in chloride environments.