Many animals thermoregulate to maximize performance. However, interactions with other animals, such as competitors or predators, limit access to preferred microclimates. For instance, an animal may thermoregulate poorly when fighting rivals or avoiding predators. However, the distribution of thermal resources should influence how animals perceive and respond to risk. When thermal resources are concentrated in space, individuals compete for access, which presumably reduces the thermoregulatory performance while making their location more predictable to predators. Conversely, when thermal resources are dispersed, several individuals can thermoregulate effectively without occupying the same area. Nevertheless, interactions with competitors or predators impose a potent stress, often resulting in both behavioral and physiological changes that influence thermoregulation. To assess the costs of intraspecific competition and predation risk during thermoregulation, I measured thermoregulation, movement, and hormones of male lizards (Sceloporus jarrovi) in experiment landscapes, with clumped to patchy distributions of microclimates. I found lizards aggressively competed for access to microclimates, with larger males gaining priority access when thermal resources were aggregated. Competition reduced thermoregulatory performance, increased movements, and elevated plasma corticosterone in large and small males. However, the magnitude of these responses decreased as the patchiness of the thermal environment increased. Similarly, under simulated predation risk, lizards reduced thermoregulatory performance, decreased movements, and elevated plasma corticosterone. Again, with the magnitude of these responses decreased with increasing thermal patchiness. Interestingly, even without competitors or predators, lizards in clumped arenas moved greater distances and circulated more corticosterone than did lizards in patchy arenas, indicating the thermal quality of the thermal landscape affected the energetic demands on lizards. Thus, biologists should consider species interactions and spatial structure when modeling impacts of climate change on thermoregulation.