I live in Iowa and once I get a chill, usually in November, I can't get warm until summer. I have a sister that lives in Northern CA and keeps her house at 63 all year around. I absolutely freeze when I am there. As soon as they leave for work, i usually set the heat at about 72 , just to take the chill off and then I set it back. I have often wondered if their electric bill is higher when I am there.