With Indiana’s fluctuating seasons, pollen, and construction dust, your HVAC filter plays a massive role in your home’s comfort and air quality. But choosing the right HVAC filter? That’s where many homeowners get stuck.
Don’t worry. We’ve helped thousands of families across Central Indiana understand which filters work best for their homes. In this guide, we’ll break down everything you need to know to make the right decision—whether you’re battling pet dander, seasonal allergies, or just want to keep your HVAC system running efficiently.
Step 1 – Understand HVAC Filter Ratings (MERV, HEPA, and More)
What Is MERV and Why Does It Matter?
MERV stands for Minimum Efficiency Reporting Value. It’s the industry standard rating that tells you how effective a filter is at trapping particles.
- MERV 1–4: Basic protection, catches large dust particles. Not ideal for most homes.
- MERV 5–8: Good for general residential use. Captures dust mites, mold spores, and pet dander.
- MERV 9–12: Better filtration for families with allergies or asthma. Blocks smaller particles like fine dust and pollen.
- MERV 13–16: Hospital-grade. Traps bacteria, smoke, and viruses. But not all HVAC systems can handle these!
💡 Pro Tip: If you’re asking, “What MERV rating do I need?”, we generally recommend MERV 8–11 for most Indiana homes unless someone in the home has specific health concerns.
HEPA Filters vs. MERV Filters
HEPA filters are great—but they’re typically not compatible with standard HVAC systems without modification. They offer hospital-grade air purification but can reduce airflow if used improperly. Unless you have a system designed for HEPA, opt for a high-MERV filter instead.
Step 2 – Know What Your HVAC System Can Handle
Not every system is built to run high-efficiency filters. Using too strong a filter can choke your airflow, reduce energy efficiency, and even damage your system over time.
- Always check your system manual or consult an HVAC pro (like us!) before upgrading your filter.
- If you want better filtration but your system can’t support MERV 13+, we can install an air purifier or media filter cabinet to boost indoor air quality safely.
Step 3 – Match the Filter to Your Family’s Needs
Every home is different. Here’s how to match your filter to your lifestyle.
Have Pets?
Go with MERV 8–11 to trap pet hair and dander. Clean or replace filters every 30 days for best performance.
Allergies or Asthma?
Choose MERV 11 or 12. These filters catch smaller allergens like pollen and mold spores that can trigger symptoms.
Live Near Construction or Farmland?
Dust and fine particulates are common in these environments. MERV 11 is your best friend here.
Want to Maximize HVAC Efficiency?
Stick to MERV 8 for balanced filtration and strong airflow.
Step 4 – Choose the Correct HVAC Filter Size
Using the wrong filter size can leave gaps that let air (and dust!) slip through.
How to Find the Right Size
- Look at your current filter—its dimensions are usually printed on the edge.
- If there’s no label, measure it yourself: length × width × thickness (in inches).
Most common sizes:
- 16x20x1
- 20x25x1
- 16x25x1
⚠️ Double-check that the filter fits snugly without bending or leaving room for airflow around the edges.
Step 5 – Should You Use a Reusable or Disposable Filter?
Disposable Filters
- Easy to use and replace
- Typically more affordable up front
- Best for households with average air quality needs
Reusable (Washable) Filters
- Can last up to 5 years
- Require monthly cleaning and drying
- May not filter as finely as high-MERV disposables
If you’re looking for set-it-and-forget-it convenience, disposables are often the better option.
H4: Bonus: Replace Your Filter Regularly!
No matter which filter you choose, keeping it clean is non-negotiable. Dirty filters restrict airflow, strain your HVAC system, and worsen air quality.
How Often Should You Replace Your HVAC Filter?
- Every 30–60 days for most homes
- Every 20–30 days if you have pets or allergies
- Every 90 days if using high-quality pleated filters in a low-traffic home
Want to make it easier? Check out our filter delivery program so you never forget again!
Need Help Choosing the Right Filter? Hoosier Indoor Air Is Here for You!
At Hoosier Indoor Air, we help homeowners across Central Indiana breathe easier and stay more comfortable. If you’re still unsure about which filter is best for your home—or you just want to improve your HVAC performance—we’re just a call away.
Call us at (317) 466-7437 or Schedule An Appointment today!
