When it comes to keeping your home comfortable and your air clean, your HVAC filter plays a bigger role than you might think. It’s not just about keeping dust out of your air conditioner or furnace—it’s also about protecting your indoor air quality and keeping your family healthy. But how do you know which filter is best? That’s where knowing about MERV ratings can really help.
At Kotz Heating, Cooling & Plumbing, we’ve been helping homeowners in Waterford, MI and throughout Oakland County breathe easier since 1929. Let’s break down what you need to know about MERV ratings, air filter choices, and how to make the best decision for your home.
MERV Rating Defined
MERV is an acronym for Minimum Efficiency Reporting Value. It’s a way to measure how effective an HVAC filter is in catching airborne particulates—like dust, pollen, pet dander, and even smaller particles like bacteria or smoke.
The scale ranges from MERV 1 to MERV 20, with higher numbers offering better filtration. But that doesn’t always mean the highest number is best for your home or system.
Why Does MERV Matter for Indoor Air Quality?
Your indoor air quality is directly impacted by the filter you choose. Air filter ratings affect how well your filter traps common allergens and pollutants. A better filter can help reduce allergy symptoms, remove pet odors, and even cut down on the presence of volatile organic compounds (VOCs) in your air.
But filter efficiency comes with a tradeoff. High-MERV filters catch more, but they also restrict airflow more than lower-MERV options. If your home’s HVAC system isn’t capable of handling a higher restriction, it can lead to reduced AC or furnace performance—or even damage over time.
That’s why it’s important to strike the right balance between air cleaning strategies and HVAC performance.
Understanding the MERV Scale
Let’s take a look at what the different levels of MERV ratings mean in plain English:
MERV 1–4: Basic Protection
These filters trap large particles like dust mites and carpet fibers. They offer basic protection but don’t do much for allergens or smaller particulates. Often found in window AC units or older systems.
MERV 5–8: Standard Residential Use
This range is common in most homes. These filters trap dust, pollen, mold spores, and pet dander. They offer a good balance of filter efficiency and airflow for most HVAC systems.
MERV 9–12: Enhanced Filtration
Filters in this range can catch finer particles like exhaust fumes, lead dust, and more. These are great for homes with asthma or allergy sufferers and still work with most residential systems.
MERV 13–16: High-Efficiency Residential or Commercial Use
These filters can trap bacteria, smoke, and even some viruses. They offer excellent allergen removal, but may not be compatible with all HVAC systems unless specifically designed for them.
MERV 17–20: Medical-Grade Filtration
Used in hospitals and cleanrooms. These are not suitable for most homes due to airflow restrictions and special system requirements.
Which HVAC Filter Is Right for You?
When choosing a filter for your air conditioner, furnace, or combined HVAC system, think about your specific needs:
- Do you have pets? A MERV 8–11 filter will help trap pet dander and hair.
- Allergy or asthma concerns? MERV 11–13 can reduce airborne triggers.
- Just want clean air without overworking your system? A MERV 8 filter is often a safe bet.
If you’re unsure what your system can handle, Kotz Heating, Cooling & Plumbing can inspect your system and recommend a filter that improves your air without harming your equipment.
Other Considerations When Choosing a Filter
Check Your HVAC System’s Compatibility
Some systems aren’t designed to handle high-MERV filters. Using the wrong filter can cause reduced airflow, putting stress on your AC or furnace. That’s why it’s best to consult with a professional before making a switch.
Change Your Filters Regularly
Even the best filter won’t work if it’s clogged. Check your filter monthly and change it at least every 90 days—or more often if you have pets or allergies.
Consider a Whole-House Air Cleaner
If you’re looking for a more powerful air cleaning strategy, talk to us about whole-house filtration systems that work alongside your HVAC to trap even more airborne particulates and VOCs.
Count on Kotz for Expert HVAC Help
At Kotz Heating, Cooling & Plumbing, we’ve been serving the Waterford area since 1929. We understand how Michigan’s changing seasons affect your comfort and your air quality. Our NATE-certified technicians are trained to help you find the best solution—whether that means upgrading your filter, tuning up your furnace, or improving your home’s overall ventilation.
Let’s Improve Your Air Quality Together
Choosing the right HVAC filter doesn’t have to be confusing. With the right information—and a little help from our expert team—you can make a choice that boosts your indoor air quality, supports your heating and cooling system, and helps your family breathe easier.
Call Kotz Heating, Cooling & Plumbing today to schedule an HVAC system check or to talk about the best filter for your needs. Your comfort is our priority!
If you’re ready to take a step toward cleaner air and a more efficient system, reach out to Kotz Heating, Cooling & Plumbing in Waterford, MI. We’re here for homeowners all across Oakland County.
