Can't really go wrong with others' suggestions of layers-layers-layers. However, I feel thoroughly uncomfortable in more than two shirts/two pants (one skin-tight base layer and one roomy giant one), or wearing a hat indoors. And I say this having done this for several winters, so not a case of "just give it a chance you'll get used to it." I feel like that kid in A Christmas Story, "can't put my arms down". Which doesn't bother me as much when I'm camping or something, but I refuse to do it daily. That's why we invented heating.
Of course, perhaps I wasn't using the highest-quality base layers, etc. But the idea of getting performance athletic wear just to sit around at home in kind of irks me...
I also want to note that just comparing your thermostat setting to others' may not be a fair comparison, and not just because they might be calibrated differently. How warm you are in various parts of your home also depends on the location of the thermostat, the layout, and the insulation. For my first 2 years of grad school I rented a tiny room in a "3BR" house (the other two rooms were 50% bigger, mine may have been a pantry (with windows? IDK). I didn't realize until I moved into one of the larger rooms later that something about the way the tiny room was vented/insulated made it significantly colder (5-10F I guess?) than the rest of the house. The thermostat was in the living room, which was the best insulated room (only one exterior wall). I believe the same thing goes for my bf's parents' house: the thermostat is in the living room, but the bedroom I stay in has 2 exterior walls. This house is definitely well insulated, but when the temps outside drop to -15F? I woke up shivering in the bed around 3-5AM while wearing yoga pants, socks, and a long sleeve shirt as PJs with a comforter AND a quilt on top and pillows all around me.
It's ridiculous to heat your house so you can wear shorts in the winter, but I think it's just as ridiculous to be washing dishes in a parka, or something that feels like one.