The indirect-contact ECG (IDC-ECG) was introduced by a prior study for daily non-intrusive measurements. To improve the signal quality and to extend the application area of IDC-ECG, close study of the frequency characteristics of the IDC-ECG is necessary. In this study, the frequency response of the active electrode for several sample clothes was measured under conditions of actual IDC-ECG measurement with human body. Higher gain in low frequency range than expected by prior study was observed. In addition to it, wide variation in gain according to the cloth type in the low frequency range was observed. Variation in gain caused by moisture variation in the clothes was also observed. This study shows that the parallel R-C connection is proper for electrode model and the resistive factor is influenced by moisture in the clothes. This study is the first that provides the frequency response of the electrode in the actual indirect-contact ECG measurement and it is expected that the results will be helpful to improve the indirect-contact ECG method.