Your house is (at least it should be) insulated. It retains heat from your heating system which is likely running 24 hrs a day. While it might EVENTUALLY get cold enough that the windows freeze over, that will take a long time.
Your car is insulated a little, but far less than your house. It also only has a heating system when the engine is on. So your car loses heat faster, and doesn’t have anyway to get it back until you turn it on.
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