The present invention relates to an oil-in-water emulsion and a cosmetic composition containing the same, and more specifically, a C12 to C22 fatty acid, an oil and an emulsifier are contained in an aqueous phase containing a thickener, a neutralizing agent and water. The present invention relates to an oil-in-water emulsion in which an oil phase portion is dispersed and a starch-based thickener as the thickener, and a cosmetic composition containing the same. The oil-in-water emulsion according to the present invention has excellent stability through neutralization of fatty acids, despite being an emulsified composition, as well as excellent usability, skin irritation, and skin stability. Allows the production and use of various dosage forms of cosmetics.本発明は、水中油型エマルジョン及びこれを含む化粧料組成物に係り、より詳しくは、増粘剤、中和剤及び水を含む水相部内に、C12ないしC22の脂肪酸、オイル及び乳化剤を含む油相部が分散された水中油型エマルジョンにおいて、前記増粘剤として澱粉系増粘剤を含む、水中油型エマルジョン及びこれを含む化粧料組成物に関する。本発明による水中油型エマルジョンは、脂肪酸の中和を通じて、乳化組成物であるにもかかわらず、優れた安定性を有するだけでなく、使用感、皮膚刺激性、皮膚安定性の側面で優れ、多様な剤形の化粧品の製造及び使用を可能にする。