Your body does not experience temperature the same way a thermostat does. You generate heat and you feel temperature as how fast you get cooled down. One example of how this differs is the humidity in the air. When it is cold and humid the air require more energy to heat up so it can cool you down faster then if it was dry. The extreme case is if you get water on your skin, 14 degree water feels very cold. But more then likely it is due to draft. In a house without any air movement you will heat up the air around you and that is the temperature you will feel. But if there is a draft in the house the hot air around your body gets blown away and replaced with cold air. So a drafty house will feel much colder then a sealed house. Another difference might be the temperature of the walls, ceiling and floor. In addition to the convection heat transfer where temperature gets exchanged with anything that touches it you also have radiative heat transfer. Any object emit some infrared heat radiation and this gets absorbed by anything it hits. You may have experienced this when you are close to a fireplace, space heater or out in the sun. The walls in the house will similarly heat you up a bit. If the walls are cold, or have big windows, then you will feel much colder even if the air temperature is the same.