Some homes feel damp even when the thermostat is set to a comfortable temperature. The air is warm and still heavy with moisture. Humidity and temperature are separate measures, so they need separate checks.
Signs that point to moisture
Look for condensation on the inside of window glass in cool weather, a faint musty smell near bathrooms or lower floors, towels and clothes that stay damp longer than they should, and a clammy feel even at a normal setting. Any one of these is worth noting. Together, they describe a house that is holding moisture.
Separate the heat from the humidity
Place a simple hygrometer in a room away from supply registers and out of direct sun, then leave it in place for a full day. Read it in the morning and again in the evening. If the reading stays high while the temperature sits where you set it, the problem is moisture rather than heat.
Check the sources you control
Run the bathroom fan during and after showers and note whether it clears the mirror. Check whether the kitchen fan is used while cooking. Look for a dryer that vents indoors, a damp crawlspace or a cluster of houseplants in one room. Each of these adds moisture to the air, sometimes faster than a system can remove it.
Check how the system runs
A cooling system that cycles on and off quickly may not run long enough to pull moisture out of the air. Ask whether the fan is set to run continuously, since that can blow moisture back across the coil between cycles. Check the filter, because a clogged filter reduces airflow and slows moisture removal. A heat pump or central air system with a clean coil and steady run times has a better chance of managing humidity.
What to ask before you change anything
Ask whether the moisture readings follow the seasons, whether the bathroom and kitchen ventilation is adequate and whether the system's run pattern suits the house. Ask a qualified technician to measure the airflow and the run pattern before anyone adds equipment. Adding a dehumidifier or changing the system without those readings may treat the symptom and leave the source in place.
For service life figures on the systems that handle indoor humidity, see the heat pump page and the central air conditioner page, which turn an install year into a planning date.