Will I be cold?
Will I be cold in Chicago in January?
Verdict
Yes — Yes, cold.
Lows drop to 17°F on average — noticeably cold, especially after sundown.
Day vs. night
Day
32°F
Cold
Direct sun feels cool at best; shade is jacket weather.
Night
17°F
Freezing
Deep freeze after sunset — every exposed step counts.
Why
Chicago in January averages highs of 32°F, lows of 17°F, 11 rainy days.
Plan for real winter kit — an insulated coat, warm hat, and gloves rather than a light jacket.