Various types of clothing are being developed to boost thermal comfort during cold winters along with research on change of body temperature when heating is applied. There is a noticeable behavioral difference by gender when using heating panels in a cold environment; however, research on women has been insufficient. This study find a temperature range that provides sustainable thermal comfort in a low temperature environment by observing temperature and change of temperature when subjects are classified according to physical activities or cold sensitivities. For the study results, 8 women in their 20s were subjected to experiment in a low temperature environment for 75 minutes (sitting position: 30 min., running: 15 min., and sitting position: 30 min.). Subjects were asked to turn on/off the heating panel freely to analyze the range of comfortable temperature and clothing microclimate; in addition, skin temperature and heating panel temperature were measured and analyzed at 9 points. As a result, temperature at which subjects turn on and off the heating panel indicated a statistically meaningful difference between the cold sensitivity group depending on exercise or non-exercise. The range of comfortable abdomen temperature was wider than the lower back and was significantly reduced when the subject was running. The range of comfortable temperature was also largest for the heating panel temperature, microclimate, and skin temperature in suggesting that adequate adjustment will be required depending on the surrounding environment or movement of the wearer.