A thermally insulated door assembly with an operable panel uses a pair of structural panels, a collection of thermally-insulating fasteners, a panel hole and an operable panel. The pair of structural panels are held together by the thermally-insulating fasteners. The thermally-insulating fasteners form a rigid structure that prevents thermal conductivity between the two structural panels that make up the door assembly. This arrangement enables the door assembly to remain a rigid structure while being composed of multiple components. The panel hole traverses through the pair of structural panels to form an opening into which the operable panel is inserted. The operable panel is a panel that replaces a central section of the door assembly. This placement enables the user to remove and replace the operable panel as desired.