A theoretical analysis of strain transfer of six-layer surface-bonded fiber Bragg gratings (FBGs) subjected to uniform axial stress is presented. The proposed six-layer structure consists of optical fiber, protective coating, adhesive layer, substrate layer, outer adhesive layer, and host material, which is different from the four-layer case of common acknowledgement. A theoretical formula of strain transfer rate from host material to optical fiber is established to provide an accurate theoretical prediction. On the basis of the theoretical analysis, influence parameters of the middle layers that affect the average strain transfer rate of the six-layer surface-bonded FBG are discussed. After the parametric study, a selection scheme of sensor parameters for numerical validation, which makes the average strain transfer rate approach unity, is determined. Good agreement is observed between numerical results and theoretical predictions. In the end, the six-layer model is extended to the general situation of multiple substrate layers, which lays a theoretical groundwork for the research and design of surface-bonded FBGs with substrate layers in the future.