Do I Need a Coat Today? A Practical Temperature Guide
Weather explained · 2026-07-12 · Wethra
Temperature starts the coat decision. Wind, rain, sunshine and what you are doing finish it.
Start with how it feels
The temperature is a useful starting point, but it is not a dress code. Ten degrees in calm sunshine can feel comfortable, while the same reading with strong wind and steady rain can feel properly cold.
Check the feels-like temperature, wind and rain before deciding. Then consider whether you will be walking briskly, waiting for a bus or moving between warm buildings.
Around 5°C
For most everyday plans, 5°C is coat weather. A warm coat or insulated jacket usually makes sense, with gloves worth adding when it is windy, wet or you will be standing still.
Running and other hard exercise are different. Lighter breathable layers can be enough once you warm up, but take something dry for afterwards if you are not heading straight indoors.
Around 10°C
At 10°C, a medium jacket, light coat or warm overshirt works for many people. Wind and rain can quickly move the answer towards a proper waterproof with a layer underneath.
If you feel the cold or will be outside for a long time, take the warmer option. If you are cycling or walking quickly, choose layers that can be opened or removed.
Around 15°C
Fifteen degrees is the awkward middle ground. In calm, dry weather you may be fine with a jumper or light jacket, especially while moving. In shade, wind or drizzle, that extra layer earns its place.
A packable jacket is useful here because the right answer can change between morning and afternoon without the day becoming dramatic enough to warn you about it.
Around 20°C
Most people will not need a coat at 20°C. Light, breathable clothing is usually more comfortable, with sun protection and water more useful than another warm layer.
An exception is a late return after the temperature drops. A thin layer in the bag can still make sense for a long evening, exposed coast or air-conditioned journey.
Activity and timing change the answer
Standing at a school gate, walking uphill and cycling into a headwind can all happen at the same temperature and need different clothing. Use the numbers as evidence, then make the decision around the plan.
Check the return time too. The coat you do not need at lunchtime may be useful by the time you are heading home.
Check your own plan
Choose what you are doing and when you will be back. Wethra will check the forecast and give you a practical clothing recommendation.