The better question
What temperature is the room, all day and all night, in the coldest week of the year?
That is the question, and it has two variables rather than one. The absolute temperature matters. The daily swing matters as much. A tank that moves 5 degrees between afternoon and dawn is harder on fish than a steady tank at either end of that range.
Yerevan sits on the Ararat plain in a dry continental climate with genuinely cold winters. The January daily mean is about minus 3.5 degrees and the mean daily minimum about minus 7.8.23 Indoors is a different matter, and that is where the honest answer lives.
In a heated apartment during the heating season the room runs 20 to 24 degrees and an unheated tank sits at roughly 19 to 2324. That is a perfectly usable subtropical tank.
In a room heated only in the evening the tank swings, and the swing is the problem rather than the low point.
If the heating fails for a few days the tank tracks the building. In a cold winter that can reach 12 to 15 degrees or lower24, and most tropical fish will not survive it.
In summer the risk reverses. An unheated tank in an un-airconditioned Yerevan room can exceed 30 degrees24, which is worse for a coldwater fish than winter is for a tropical one. Warm water holds less dissolved oxygen, and a coldwater species has a high oxygen demand.
So the conclusion nobody in the hobby likes. For most people in Yerevan an unheated tank is not the simple option. It is the option with the widest temperature range and the least control. A heater is not there to make the tank hot. It is there to stop the tank moving.