Below "boiling point" (not always 100C), water can exist in both gas and liquid phase, and has a temperature-dependent vapour pressure, which represents a point of equilibrium between liquid water wanting to evaporate and water vapour wanting to condense. read more
Though both are gaseous forms of water but steam is when water reaches its boiling point and water vapours are formed during evaporation. Boiling point is when the pressure of a particle (or water in this case) in liquid state exerted to its condensed form (liquid water) equals the atmospheric pressure. read more
When water evaporates out of a glass or the bathtub or, in your case, off your body, clearly it’s well below the boiling point, typically 212°F (100°C) at sea level. To understand why this happens, we need to learn a bit about what’s occurring at the molecular level. read more