Why does the same temp setting feel so different in different houses?

I'm talking about a HUGE difference. More than can be accounted for by variation in the thermostat. At my place 72 feels hot. My boyfriend keeps his place at 77 and it doesn't feel that warm to me, even in winter clothes.

My daughter's house feels way chilly even at 72. All these homes are insulated and have tight windows. I'm shocked at how different it feels. Me and my daughter have snakes so we have other thermometers in the rooms and they generally agree within a degree or two of the theromostat. Is this all in my head?