In an effort to reduce the operational cost of their dwellings, occupants may even have to sacrifice their indoor thermal comfort conditions. Following the economic recession in Greece over recent years, homeowners have been forced to adapt their practices by shortening heating hours, lowering the indoor thermostat settings, isolating spaces that are not heated or even turning off their central heating system and using alternative local heating systems. This paper presents the results from over 100 occupant surveys using questionnaires and walk-through energy audits in Hellenic households that documented how occupants operated the heating systems in their dwellings and the resulting indoor thermal comfort conditions and actual energy use. The results indicate that the perceived winter thermal comfort conditions were satisfactory in only half of the dwellings, since the actual operating space heating periods averaged only 5 h (compared with the assumed 18 h in standard conditions), while less than half heated their entire dwellings and only a fifth maintained an indoor setpoint temperature of 20 °C, corresponding to standard comfort conditions. Mainstream energy conservation measures include system maintenance, switching to more efficient systems, reducing heat losses and installing controls. This information is then used to derive empirical adaptation factors for bridging the gap between the calculated and actual energy use, making more realistic estimates of the expected energy savings following building renovations, setting prudent targets for energy efficiency and developing effective plans toward a decarbonized building stock.