The study investigates the clothes-wearing behaviors of female college students based on differences in indoor heating systems and cold sensitivity. The respondents included a total of 281 female college students living in South Korea and China. Data were analyzed through an ANOVA and, a paired t-test based on SPSS 21.0. Korean students were less dependent on winter clothing than Chinese students for the whole body parts except for the trunk. Korean students were more likely to feel coldness more but wore less clothing. Korean students' clothes-wearing behaviors with respect to coldness depended on the indoor heating system. Korean students tended to buy warmer clothing, although they preferred not to wear undergarments and tended to wear and to wear less winter clothing. Chinese students showed more active clothes-wearing behaviors to keep their feet warm. Finally, groups divided by indoor heating systems and cold sensitivity showed different clothes-wearing behaviors in comparison to those groups based only on indoor heating systems. Even in similar weather conditions, clothes-wearing behaviors for cold adaptation depended on the indoor heating systems and cold sensitivity. The results suggest that this perspective should be taken into consideration when evaluating clothes-wearing behaviors of certain groups or individuals.