Space heating load is decreasing in modern Finnish apartments due to lower U-values of the construction, tight envelopes and heat recovery from exhaust ventilation air. This makes it possible to develop a new combined low temperature water heating system with nominal supply/return water temperatures of 45 degrees C/35 degrees C. Such a system includes radiators in rooms and floor heating in bathrooms. In this study, the performance of an apartment building is determined by using dynamic simulation. The simulation results for the combined low temperature water heating system are compared with those for three conventional radiator and floor heating systems. The results show that the combined low temperature water heating system performs well and is able to maintain the zones within the required temperature levels. The thermal comfort analysis indicates that the drifts and ramps in operative temperature using the four studied heating systems are within the limits of Ashrae Standard 55-2004. Temperature measurements in a test room are carried out to find the vertical difference of air temperature using two methods: radiator heating and floor heating. These measurements indicate that there is only a small vertical temperature difference that would not produce any significant thermal discomfort. (C) 2008 Elsevier B.V. All rights reserved.