I live in a condo on the 2nd floor and there's another floor above me so I stay fairly warm in the winter and it doesn't get as cold here as it does where you live Jenn. I have electric heaters but I don't use them because I don't trust them. I have carpeting everywhere except for the kitchen and bathrooms so this helps too. I just dress warmer and when I'm under the covers at night I'm fine. My cats also help to keep me warm. I'd say that on the coldest days it could get between 55-60 degrees but I can deal with it.