There are a few different considerations to keep in mind.

One, is that the temperature setting is only measured at the thermostat. This temperature tapers off between the thermostat and the exterior. In well-insulated homes, the temperature only drops a little between the thermostat and exterior wall, with a big drop-off through the wall insulation.

In a poorly insulated home, this drop-off is more noticeable between the thermostat and the exterior wall. So keep in mind where any pipes may be. If you have any that are close to a poorly insulated exterior wall, they can be a few degrees cooler at that location, even though the thermostat stays the same.