Best Thermal Underwear Sets for Women of 2026

Mary Hopper Avatar
Mary Hopper
Last Updated: Jan 28, 2026

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Thermal Underwear Sets are the perfect choice for women seeking warmth and comfort during the chilly winter months. Designed with a focus on functionality and style, these sets are crafted from high-quality materials that provide excellent insulation while allowing for breathability. With a variety of colors and patterns to choose from, women can stay cozy without sacrificing their personal style. Whether worn as a base layer or as loungewear, these thermal underwear sets are a must-have addition to any winter wardrobe.

At a Glance: Our Top Picks

Cuddl Duds Heavyweight Fleece Thermal Set Cover #TOP 1
Cuddl Duds Heavyweight Fleece Thermal Set
ftb score rating icon 9.9
Sampeel Women's Fleece-Lined Thermal Set Black L Cover #TOP 2
Sampeel Women's Fleece-Lined Thermal Set Black L
ftb score rating icon 9.8
Spyder Womens Thermal Underwear Set Cover #TOP 3
Spyder Womens Thermal Underwear Set
ftb score rating icon 9.6

Top 10 Thermal Underwear Sets for Women

#TOP 1

Cuddl Duds Heavyweight Fleece Thermal Set

CD8526104
Black
Medium
Cuddl Duds Heavyweight Fleece Thermal Set Cover
Cuddl Duds Womens Heavyweight Fleece 2 Piece Long Sleeve Thermal Underwear Set – Shirt & Leggings Base Layer for Cold Weather – Winter Clothing Long Johns Lounge Sets for Women, Black, M

The Cuddl Duds Thermal Set is designed to keep you warm during cold weather with its heavyweight fabric and cozy fleece lining. The soft brushed interior traps your body heat, while its moisture-wicking fabric helps you stay dry and comfortable by managing sweat. The stretchy material and modern waistband offer a flattering fit and freedom of movement, making it ideal for active days. Plus, the thumbholes help keep your sleeves in place and add extra warmth. This set is perfect for layering, whether you’re out for a winter walk or relaxing at home.

What We Like
Soft and comfortable fabric
Warm without bulkiness
Good stretch and flexibility
True to size fit
Retains shape after washing
What We Don't Like
Fit may be loose for some
#TOP 2

Sampeel Women's Fleece-Lined Thermal Set Black L

WST2657CSA0014U0802
Black
Large
Sampeel Women's Fleece-Lined Thermal Set Black L Cover
Sampeel Thermal Underwear for Women Cold Weather Warm Clothes Fleece Lined Plus Size Long Johns Winter Base Layer Shirt Top and Leggings Pants 2 Piece Set Black L

The Sampeel Thermal Underwear Set offers a plush fleece lining that feels incredibly soft and cozy, making it perfect for cold days when you want to stay warm and comfortable. This set is lightweight yet provides great insulation, so whether you're relaxing at home, skiing, or running errands, you’ll stay comfortably warm without feeling bulky. The fabric is smooth and moves easily with your body, ensuring all-day comfort no matter what you’re doing. Plus, the materials are designed to keep their softness and color even after multiple washes, so your thermal set will stay fresh and vibrant through the season.

What We Like
Soft and comfortable material
Excellent warmth in cold weather
True to size fit
Affordable price point
Great for layering
What We Don't Like
Fleece lining is thin
Not highly stretchy
#TOP 3

Spyder Womens Thermal Underwear Set

L SPDR BASE LAYR SET
Black
Medium
Spyder Womens Thermal Underwear Set Cover
Spyder Womens Thermal Underwear Set - 2 Piece Fleece Lined Moisture Wicking Long Johns for Women Base Layer for Cold Weather, Size Medium, Black

The Spyder Thermal Underwear offers all-day warmth with its soft fleece lining, making it perfect for cold weather activities like skiing or lounging at home. You'll appreciate the breathable, moisture-wicking fabric that keeps you warm by trapping heat while preventing sweat buildup, so you stay dry and comfortable. The lightweight, stretchy material provides a cozy fit that moves with you, whether you’re working or enjoying winter sports. Plus, the flexible waistband and snug ankle cuffs ensure a secure fit without bulk, allowing easy layering under your favorite winter clothes for versatile use.

What We Like
Lightweight and silky material
Keeps you warm in cold weather
Comfortable non-binding fit
Affordable price
Works well as base layer
What We Don't Like
Sleeves run slightly short
Pants fit may be loose
#TOP 4

JZCreater Women Thermal Underwear Set

Black
Medium
JZCreater Women Thermal Underwear Set Cover
JZCreater Women Thermal Underwear Set, Long Johns Base Layer Top & Bottom, Women Soft Pajama Set for Cold Weather(Medium, Black)

The JZCreater Thermal Set is designed to keep you warm and comfortable during cold weather. Made from a soft blend of polyester and spandex, this base layer feels cozy against your skin. Its stretchy material ensures a snug fit that moves with you, reducing irritation from seams. The fabric is breathable and dries quickly, helping you stay dry by wicking away sweat throughout the day. Plus, the advanced textile technology prevents shrinking, fading, and pilling, so your thermal set will look and feel great even after many washes. This makes it a reliable choice for both outdoor activities and relaxing at home.

What We Like
Soft and comfortable
Warmth in cold weather
Stretchy fit
Lightweight for layering
True to size
What We Don't Like
Tags need removal
May require sizing up
#TOP 5

TEEPIRE Women's Thermal Underwear Set Medium Black

TEEPIRE
TP-W
Black
Medium
TEEPIRE Women's Thermal Underwear Set Medium Black Cover
TEEPIRE Women 's Thermal Underwear Set with Lightweight Ultra Soft Fleece Lined,Long John Set, Moisture-Wicking Skiing Base Layer (Medium) Black

The TEEPIRE Thermal Set offers a snug and warm fit thanks to its upgraded fabric blend of polyester and spandex, which also prevents lint buildup. You'll appreciate the thin but soft fleece lining that keeps you cozy without adding bulk or making you look baggy. The smooth outer fabric slides easily under your clothes, locking in heat and maintaining shape. Plus, its moisture-wicking material helps keep you dry and fresh during outdoor activities by reducing sweat and odors. This set is designed with a tagless, flat seam construction to prevent skin irritation, making it comfortable for all-day wear.

What We Like
Very warm in extreme cold
Exceptionally soft lining
Comfortable for layering
High-quality material
Washes well, no shrinking
What We Don't Like
Runs small on sizing
Top may fit tighter
#TOP 6

Fruit of the Loom Women's Micro Waffle Thermal Set

WRT20959/WRT20960
Black
Medium
Fruit of the Loom Women's Micro Waffle Thermal Set Cover
Fruit of The Loom Women's Micro Waffle Thermal Set, Black, Medium

The Fruit of the Loom Thermal Set is designed to keep you comfortable in cold to moderately cold weather. Made from a soft blend of U.S. sourced cotton and recycled polyester, the micro waffle fabric offers a gentle stretch that adapts to your body for a better fit. The long sleeve crew-neck top and leggings provide warmth without bulk, making it perfect for layering. Plus, the tag-free label enhances comfort by preventing irritation, so you can wear it all day without distraction.

What We Like
Soft comfortable fabric
Keeps you warm
Lightweight for layering
Attractive color options
Good value price
What We Don't Like
Runs small in size
Odd fit in some styles
#TOP 7

WEERTI Women's Thermal Underwear Set

Black
Medium
WEERTI Women's Thermal Underwear Set Cover
WEERTI Thermal Underwear for Women Long Johns with Fleece Lined Base Layer Women Cold Weather Top Bottom Black

WEERTI Women's Thermal Underwear Set is made of 92% Soft Polyester and 8% Spandex and feels cozily soft with fleece lined. The moisture-wicking feature keeps you dry and light, while the four-way stretch provides flexibility for any movement. The snug fit ensures no bunching around your waistline or sleeves and reduces heat loss. It can be worn as pajamas on chilly nights and perfect for outdoor activities or wearing underneath formal or casual attire.

What We Like
Soft and comfortable material
Warmth without bulk
Good for layering
Flexible stretch fit
Easy care and durable
What We Don't Like
Fit may run large
Not for extreme cold
#TOP 8

Grenasasilk Women's Mulberry Silk Thermal Underwear Set

43390-128630
Black
Large
Grenasasilk Women's Mulberry Silk Thermal Underwear Set Cover
Grenasasilk Womens Silk Long Underwear Mulberry-silk Long Johns Thermal Underwear Sets Cold Weather Base Layer (Large, Black)

The Grenasasilk Silk Thermal Set offers you a comfortable and natural way to stay warm. Made from pure mulberry silk, this underwear set feels soft and lightweight, allowing your skin to breathe while keeping moisture balanced. It’s perfect if you have sensitive or allergy-prone skin, as silk is hypoallergenic and gentle, helping you avoid irritation. The set includes a top and bottom that fit like a second skin thanks to their stretchy knit, giving you freedom of movement and cozy warmth. Plus, it’s a thoughtful gift choice for loved ones during cold seasons or special occasions.

What We Like
Very warm and cozy
Soft and stretchy material
Lightweight base layer
Good moisture wicking
Well made construction
What We Don't Like
Sizing runs small
Some pilling after washing
#TOP 9

SIMIYA Women's Fleece Lined Thermal Underwear Set

WU02
Black
Medium
SIMIYA Women's Fleece Lined Thermal Underwear Set Cover
SIMIYA Thermal Underwear Set for Women Long Johns with Fleece Lined Long Sleeves Base Layer Set Top Bottom Black

The SIMIYA Thermal Base Layer is designed to keep you warm and comfortable during cold weather. Its fleece lining traps heat effectively, so you feel cozy like basking in spring sunshine, even in winter. Made from carefully chosen natural fabrics, this set resists shrinking, pilling, and static, ensuring it stays soft and fresh without any chemical odors. The lightweight, form-fitting design acts like a second skin, allowing you to move freely without bulk under your clothes. Plus, the four-way stretch fabric moves with you naturally, preventing bunching whether you're hiking, skiing, or just running errands.

What We Like
Soft and comfortable fabric
Excellent warmth and insulation
Great fit and stretch
Ideal for layering
High quality material
What We Don't Like
Limited color options
Could be slightly warmer
#TOP 10

PISIQI Women's Thermal Underwear Set

Black
Large
PISIQI Women's Thermal Underwear Set Cover
PISIQI Thermal Underwear Women Ultra-Soft Long Johns Set Base Layer Skiing Winter Warm Top & Bottom Black

The PISIQI Thermal Underwear Women Ultra-Soft Long Johns Set is a breathable, stretchable, and lightweight base layer that keeps you warm without adding bulk. Made of ultra-soft polyester, the fabric feels cozy against your skin and wicks away moisture to keep you dry. You can wear this long underwear set under your clothes or on its own for outdoor activities like hiking, camping, skiing, and more.

What We Like
Soft, gentle fabric
Excellent warmth
Comfortable stretch fit
Lightweight layering
Washes well
What We Don't Like
Top sizing may run small
May be too warm for some
Buying Guide Image

Frequently Asked Questions (FAQs)

1. What thermal underwear keeps you the warmest?

Thermal underwear made of merino wool or a merino wool blend is typically the warmest. These fabrics have excellent moisture-wicking capabilities, keeping you warm even in active or wet conditions.

2. Do you wear anything under thermal underwear?

While it is not required, it is recommended to wear undergarments underneath thermal underwear for added comfort and support. Thermals are meant to enhance undergarments, not replace them.

3. What are the disadvantages of thermal underwear?

Some disadvantages of wool thermal underwear are its high cost and faster wear and tear compared to synthetic materials. Wool thermals can absorb moisture and take longer to dry. Careless washing can result in shrinking. Synthetic options may offer better durability and faster drying.

4. How often should you change thermal underwear?

Thermal underwear can be worn for 3 to 5 days at a time without washing, thanks to its moisture-wicking and odor-resistant properties. Avoid over-washing to maintain the fabric's quality. When washing, it is recommended to hand wash with a mild liquid detergent.

5. Does thermal underwear have to be tight?

Thermal underwear should fit snugly at the waist, neck, wrists, and ankles to prevent body heat from escaping. However, it should never feel uncomfortable. If your thermal underwear feels tight and uncomfortable, it is likely that you have chosen a size too small.

6. Should thermal underwear be worn next to skin?

Thermal underwear should be worn as the first layer of your sportswear, next to the skin. It is designed to keep moisture away from the skin and provide thermal comfort. For optimal performance, make sure it is well-fitted and worn close to the body.

Editor's Notes

During our thermal underwear set for women research, we found 48 thermal underwear set for women products and shortlisted 10 quality products. We collected and analyzed 187,964 customer reviews through our big data system to write the thermal underwear sets for women list. We found that most customers choose thermal underwear sets for women with an average price of $26.43.

The thermal underwear sets for women are available for purchase. We have researched hundreds of brands and picked the top brands of thermal underwear sets for women, including Cuddl Duds, Sampeel, Spyder, JZCreater, TEEPIRE. The seller of top 1 product has received honest feedback from 392 consumers with an average rating of 4.9.

Written by
Mary Hopper Avatar

Mary Hopper is an Italian fashion designer with 10 years of extensive working experience in the fashion industry. She can design clothing and fashion accessories, such as handbags, backpacks, shoes, and jewelry. She is also a professionally trained content writer specializing in managing various fashion and beauty blogs.

Thermal Underwear Sets for Women Comparison Table

#TOP1
#TOP2
#TOP3
#TOP4
#TOP5
#TOP6
#TOP7
#TOP8
#TOP9
#TOP10
Brand Cuddl Duds Sampeel Spyder JZCreater TEEPIRE Fruit of the Loom WEERTI Grenasasilk SIMIYA PISIQI
Department womens womens womens womens womens womens womens womens womens womens
Fabric type 93% Polyester, 7% Spandex 94% Polyester, 6% Spandex 92% Polyester, 8% Spandex 92% Microfiber 92% Polyester, 8% Spandex 80% Polyester, 20% Cotton 92% Soft Polyester, 8% Spandex with fleece lined Silk,100% natural mulberry silk long underwear for women 95% Polyester, 5% Elastane 92% Polyester, 8% Spandex
Care instructions Machine Wash Please note: Vacuum packing may cause wrinkling at the Set, but washing or ironing will give it a fresh look Machine Wash Machine Wash Hand Wash Only Machine Wash Machine Wash Machine Wash Machine Wash Machine Wash
Origin Imported Imported Imported Imported Imported Imported Imported Imported Imported Imported
FTB Score
ftb score rating icon 9.9
ftb score rating icon 9.8
ftb score rating icon 9.6
ftb score rating icon 9.6
ftb score rating icon 9.5
ftb score rating icon 9.3
ftb score rating icon 9.3
ftb score rating icon 9.3
ftb score rating icon 9.1
ftb score rating icon 8.9
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