Most of the operational energy needed by the housing sector is used to compensate energy losses or thermal gains through the building’s envelope. As a result, any improvement in the thermal behavior will provide important opportunities to reduce energy consumption. This research analyzes improvements in the thermal envelope in social housing in the Greater Concepción area in Chile using adaptive thermal comfort models and thermal insulation investments. The objective set out is to evaluate the economic reduction of thermal envelope improvement costs for dwellings, which entails using the adaptive thermal comfort model obtained through monitoring and the surveys applied to the users of social housing in Concepción (CAS), against the international adaptive thermal comfort models established by the EN 15251:2007 and ASHRAE 55-2017 standards. Finally, it is concluded that, on having applied the social housing adaptive thermal comfort model (CAS), execution costs are reduced by between 28.8% and 58.2%, reaching a time of comfort in free oscillation similar to that obtained from applying the models of the EN 15251:2007 (74.2%) and ASHRAE 55-2017 standards (59.9%).