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Yes, a dirty air filter can cause a higher electric bill. That’s because clogged filters make it harder for air to flow through your HVAC system, which forces it to work harder and use more energy. According to the U.S. Department of Energy, replacing dirty filters can save you between 5% and 15% in utility costs.

According to the Centers for Disease Control and Prevention (CDC), no single water filter or treatment system can remove 100% of contaminants. To find the best filter for your needs, first determine which impurities are most important for you to remove. For example, reverse osmosis (RO) filters are highly effective at removing a wide range of contaminants, including sediment, heavy metals, bacteria, viruses, dissolved salts, and chemicals. However, the RO process can also filter out beneficial minerals like calcium and magnesium. If eliminating bacteria is your main priority, a UV filter could be a suitable choice. Additionally, distilled water is considered the most pure form of filtered water available.

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.