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Air filters with a MERV rating of 11 or higher need to be changed every three to six months. If your filters are incredibly strained because of environmental factors, such as living in a smoggy, pollen-rich area with a large household, you may need to change your filters every two months regardless of the MERV rating.

If you do not regularly change your HVAC filter, it will become clogged with dust, dirt, and other contaminants. This blockage forces the system to work harder to circulate air, leading to higher energy bills, poor temperature regulation, and increased wear on parts, which can cause more frequent breakdowns and shorten the system's overall lifespan. Additionally, a dirty filter that no longer traps contaminants can lead to poor indoor air quality, potential health problems, and even complete system failure.

Inexpensive filters do an effective job of keeping your HVAC system clean and running properly. However, they usually aren’t the best at filtering out allergens and other pollutants. So, if you have pets, several people in your household, or allergies and asthma, you’ll want to invest in a higher-quality filter.

A correctly installed air filter will fit snugly in its compartment. One that’s too thick or big won’t lie smoothly, and it can block the airflow, sometimes resulting in strange noises. A filter that’s too small or improperly fitted may move around in the compartment, resulting in strange humming or vibration noises. Poor fitting can eventually cause a buildup of dirt in the HVAC ductwork, and reduced indoor air quality can lead to sneezing or excess dust on your surfaces.