Cozy Thermal Underwear Women Love

As temperatures drop, staying warm becomes a priority, but that doesn’t mean sacrificing style or comfort. Thermal underwear for women has evolved beyond bulky layers to sleek, functional pieces that fit seamlessly under your favorite outfits. In the U.S., the demand for women’s thermal base layers has surged, with a 20% increase in sales over the past year, reflecting a growing emphasis on both fashion and functionality in cold-weather wear.
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Whether you’re braving the outdoors or seeking cozy indoor comfort, the right winter underwear for women can make all the difference. From insulated women’s underwear to women’s long johns, this guide covers the top options to keep you warm and stylish throughout the season.

Top 10 Thermal Underwear for Women in 2025

1. Smartwool Classic Thermal Merino Base Layer

• Material: 100% Merino Wool
• Features: Midweight warmth, moisture-wicking, odor-resistant
• Pros: Soft texture, excellent insulation, versatile for various activities
• Cons: Requires delicate washing
• Ideal For: Outdoor enthusiasts and daily wear
• Price: $77 (top), $115 (bottom)Best Reviews

Smartwool’s Merino base layers are renowned for their comfort and performance. The natural fibers provide warmth without bulk, making them perfect for layering during winter adventures or daily commutes.

2. WEERTI Fleece-Lined Thermal Underwear Set

• Material: Polyester-Spandex blend with fleece lining
• Features: Four-way stretch, moisture-wicking, snug fit
• Pros: Affordable, comfortable, suitable for layering
• Cons: May feel snug during intense activity
• Ideal For: Casual wear, lounging, light outdoor activities
• Price: Approximately $30

The WEERTI set offers a balance of warmth and flexibility, making it a favorite for those seeking comfort without breaking the bank. Its fleece lining ensures coziness during chilly days.

3. NOOYME Bamboo Charcoal Thermal Underwear

• Material: Bamboo charcoal-infused fabric
• Features: Moisture-wicking, heat retention, four-way stretch
• Pros: Eco-friendly, breathable, soft on skin
• Cons: Limited color options
• Ideal For: Active individuals, eco-conscious consumers
• Price: Around $40

NOOYME’s innovative use of bamboo charcoal fabric provides natural insulation and breathability, making it an excellent choice for those with sensitive skin or sustainability in mind.

4. Under Armour Base 4.0 Thermal Set

• Material: Synthetic polyester blend
• Features: High thermal insulation, moisture-wicking, slim fit
• Pros: Excellent for extreme cold, durable, athletic design
• Cons: Higher price point
• Ideal For: Winter sports, high-intensity outdoor activities
• Price: Approximately $100

Designed for athletes and outdoor enthusiasts, Under Armour’s Base 4.0 offers superior warmth and performance, ensuring you stay dry and comfortable during intense activities.

5. Patagonia Capilene Midweight Base Layer

• Material: Recycled polyester blend
• Features: Breathable, moisture-wicking, eco-friendly
• Pros: Sustainable, versatile, odor-resistant
• Cons: May not be warm enough for extreme cold
• Ideal For: Everyday wear, mild to moderate cold
• Price: Around $70

Patagonia’s commitment to sustainability shines in their Capilene base layers, offering comfort and performance while minimizing environmental impact.

6. Thermajane Ultra Soft Thermal Underwear

• Material: Polyester-Spandex blend with fleece lining
• Features: Lightweight, moisture-wicking, multiple color options
• Pros: Budget-friendly, soft, suitable for layering
• Cons: May not provide sufficient warmth in extreme cold
• Ideal For: Indoor wear, mild outdoor activities
• Price: Approximately $25

Thermajane’s thermal sets are perfect for those seeking affordable, comfortable options for everyday use, offering a snug fit without restricting movement.

7. Cuddl Duds Heavyweight Base Layer Set

• Material: Polyester blend with fleece lining
• Features: Moisture-wicking, cozy feel, variety of colors
• Pros: Warm, comfortable, stylish
• Cons: May be too warm for indoor use
• Ideal For: Cold climates, outdoor activities
• Price: Around $35

Cuddl Duds offers a blend of style and functionality, making their heavyweight base layers a popular choice for those facing harsh winters.

8. Indera Raschel-Knit Cotton Long Johns

• Material: Cotton-polyester blend
• Features: Waffle-knit design, ribbed cuffs, tagless label
• Pros: Soft, breathable, affordable
• Cons: Less moisture-wicking compared to synthetic options
• Ideal For: Casual wear, layering under clothes
• Price: Approximately $20

Indera’s traditional design provides reliable warmth and comfort, making them a staple for those seeking classic thermal wear.

9. ViCherub Women’s Thermal Underwear Set

• Material: Polyester-Spandex blend with fleece lining
• Features: Moisture-wicking, lightweight, snug fit
• Pros: Affordable, soft, suitable for various activities
• Cons: Limited size range
• Ideal For: Indoor and outdoor activities
• Price: Around $30

ViCherub’s thermal sets offer a balance of comfort and functionality, making them a versatile choice for different winter activities.

10. Mulberry Silk Thermal Underwear Set

• Material: 100% Mulberry Silk
• Features: Lightweight, breathable, luxurious feel
• Pros: Soft, hypoallergenic, ideal for layering
• Cons: Delicate, requires careful washing
• Ideal For: Sensitive skin, layering under formal wear
• Price: Approximately $60

For those seeking a touch of luxury, Mulberry silk thermal sets provide unparalleled softness and comfort, perfect for layering under dressier outfits.

Buyer’s Guide: Choosing the Right Thermal Underwear for Women

Selecting the perfect thermal underwear involves considering several factors to ensure warmth, comfort, and suitability for your lifestyle.

1. Material Matters

• Merino Wool: Natural, breathable, odor-resistant, and excellent for temperature regulation.
• Synthetic Blends: Often more affordable, quick-drying, and durable, ideal for high-intensity activities.
• Cotton Blends: Soft and comfortable but less effective at moisture-wicking; best for low-activity settings.
• Silk: Lightweight and luxurious, suitable for layering under formal attire.

2. Fit and Comfort

A snug fit ensures better insulation and moisture management. Look for options with stretchable fabrics and flat seams to prevent chafing.

3. Layering Compatibility

Consider the thickness of the thermal wear to ensure it fits comfortably under your regular clothing without adding bulk.