In the fragile Loess Plateau ecosystem, straw return is a key measure to improve its low soil organic matter. However, the short-term carbon retention efficacy of straw return, which depends on the initial balance between carbon mineralization and sequestration, remains unclear across different soil textures. This study investigated the short-term impacts of straw return on organic carbon fractions in three soils with varying textures via laboratory incubation. Results showed that while straw return universally increased active organic carbon pools, its accumulation in the mineral-associated organic carbon (MAOC) pool was texture-dependent. Straw incorporation, especially maize straw, effectively promoted MAOC formation in clayey soils (Phaeozems and Anthrosols) with large specific surface areas. Conversely, in Arenosols, carbon was retained in active pools, limiting long-term retention potential. The mechanism involves a combined regulation by soil physicochemical properties, where clay content and specific surface area are fundamental physical drivers for MAOC accumulation, synergistically influenced by chemical factors like pH and electrical conductivity through processes such as cation bridging. These findings provide critical scientific evidence for developing texture-specific straw return management strategies for the Loess Plateau.