Furnace Filter Myths You Did’t Know Are Wrong

Furnace filters are one of those things we don’t really think about until something goes wrong. But, believe it or not, what you think you know about furnace filters could be costing you money or even affecting your health. With winter around the corner, now’s a good time to clear up some common misunderstandings about this interesting part. Let’s break down a few of the biggest myths so you’re not caught off guard when the cold sets in.

Myth 1: Filters Only Affect Air Quality

Sure, filters help clean the air, but their job is more important than that. A dirty or wrong-sized filter can mess with your entire heating system. It forces your furnace to work harder, which means more wear and tear and higher energy bills. So even if your air seems fine, that filter still plays a big role in keeping everything running smoothly behind the scenes.

Person changing furnace filter.
Photo Credits: Bill Oxford / Getty Images Signature / Canva Pro.

Myth 2: You Only Need to Replace Filters Once a Year

This one trips up a lot of people. How often you should change your filter depends on your home, your pets, and even how often your furnace runs. For most people, every 1 to 3 months is a safer bet, especially in the winter when your system is working harder than usual. If you wait to change the filter once a year you’re going to run into problems down the line.

A dirty and clean furnace filter.
Photo Credits: MyLove4Art / Envato Elements

Myth 3: Higher MERV Ratings Are Always Better

MERV ratings measure how well a filter traps particles. But higher isn’t always better. A super high rating might actually cut off the airflow too much, which makes your furnace work harder. It’s all about finding the right balance. Unless you have severe allergies or need to maintain a specific air quality, a mid-range filter usually does the trick without stressing your system.

HVAC and furnace filter.
Photo Credits: Smith Collection / Gado / Getty Images.

Myth 4: All Filters Fit All Furnaces

It seems like filters should be interchangeable, but they’re not. The size and thickness of the filter really matter. A poorly fitted filter can let dust sneak through or cause gaps that reduce how well the filter works. Always check your furnace manual or the label on your old filter to make sure you’re using the right one. A good fit means a healthier system.

Different furnace filters on a shelf.
Photo Credits: Scott Olson / Getty Images.

Myth 5: Reusable Filters Are the Smarter Buy

Reusable filters sound eco-friendly and cost-effective, but they’re not always the best choice. They need regular cleaning and can be less effective at trapping smaller particles. If you forget to wash reusable filters often enough, you might as well not have a filter at all. Disposable filters, while not as good for the environment, are often better at protecting both you and your furnace.

Reusable, washable HVAC filter.
Photo Credits: Wikideas1 / Wikimedia Commons CC0 1.0.

Myth 6: Pets Don’t Really Affect Filters

If you’ve got a cat that sheds or a dog who loves rolling around outside, your filters are working harder than ones in pet-free houses. Pet hair and dander clog things up fast. That’s why homes with animals usually need to change filters more frequently. Don’t be fooled into thinking your quiet, well-behaved pet isn’t part of the problem. Their fur is absolutely getting all up in your furnace filter.

Woman showing dirty air filter.
Photo Credits: actual_size / Getty Images Signature / Canva Pro.

Myth 7: It’s Fine to Use Cheap Filters

The bargain pack at the store might seem like a win for your budget, but cheap filters often don’t last as long or catch as much dust. You might end up spending more in the long run if you’re replacing the filters constantly or paying extra for furnace repairs. It’s okay to be frugal, but make sure you’re not trading short-term savings for long-term hassle.

A woman changing the filter on her furnace.
Photo Credits: MyLove4Art / Envato Elements.

Myth 8: You’ll Know When It’s Time to Change It

If you’re waiting until your house feels dusty or your furnace starts acting up, it’s already too late. Filters don’t give obvious warning signs. That’s why it helps to set a reminder or mark the day you need to change your filter on your calendar. Stay ahead of it, and your furnace will thank you all winter long.

A dirty furnace filter.
Photo Credits: Smith Collection / Gado / Getty Images.

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With so much riding on such a small part of your home, it’s worth taking furnace filters seriously. A little attention now can save you from bigger headaches when the temperature drops. Ditch the myths, check your filter, and go into winter knowing your system is in better shape, without spending a fortune or calling in a pro for something you can easily do yourself.