The relationships between the effective surface (T-eff) and internal t
emperatures of neutron stars (NSs) with and without accreted envelopes
are calculated for T-eff > 5 x 10(4) K using new data on the equation
of state and opacities in the outer NS layers. We examine various mod
els of accreted layers (H, He, C, O shells produced by nuclear transfo
rmations in accreted matter). We employ new Opacity Library (OPAL) rad
iative opacities for H, He, and Fe. In the outermost NS layers, we imp
lement the modern OPAL equation of state for Fe, and the Saumon-Chabri
er equation of state for H and He. The updated thermal conductivities
of degenerate electrons include the Debye-Waller factor for the electr
on-phonon scattering in solidified matter, while in liquid matter they
include the contributions from electron-ion collisions (evaluated wit
h non-Born corrections and with the ion structure factors in responsiv
e electron background) and from the electron-electron collisions. For
T-eff < 10(5.5) K, the electron conduction in non-degenerate layers of
the envelope becomes important, reducing noticeably the temperature g
radient. The accreted matter further decreases this gradient at T-eff
> 10(5) K. Even a small amount of accreted matter (with mass greater t
han or similar to 10(-16)M(circle dot)) affects appreciably the NS coo
ling, leading to higher T-eff at the neutrino cooling stage and to low
er T-eff at the subsequent photon stage.