Why Dirty HVAC Filters Are Costly and Unhealthy

Keeping Your Chicagoland Property Safe, Efficient, and Healthy

When was the last time you changed your HVAC filter? If you can’t remember, you’re not alone — many homeowners and business owners across Chicago, Oak Park, River Forest, Skokie, Evanston, Wilmette, Northbrook, Highland Park, and the North Shore overlook this simple but critical task. Yet, a dirty HVAC filter can cost you in ways you might not expect — from higher energy bills to health risks for your family or employees.

The Hidden Costs of a Dirty HVAC Filter

According to the U.S. Environmental Protection Agency (EPA), Americans spend about 90% of their time indoors, where pollutant levels can be 2 to 5 times higher than outdoor air (EPA). A clean HVAC filter helps trap these pollutants and maintain healthier air quality. But neglecting your filter leads to:

• Reduced airflow: Your HVAC system works harder, using more energy, driving up your utility bills, and shortening the lifespan of your unit.
• Poor indoor air quality: Dust, allergens, pet dander, and mold spores recirculate through your home or business.
• Increased risk of mold: Moisture gets trapped inside clogged filters, creating the perfect breeding ground for mold.
• Uneven heating and cooling: Blocked filters strain your system, causing inconsistent temperatures and discomfort.

How Often Should You Change Your HVAC Filter?

For most Chicago-area homes and businesses, it’s recommended to change your filter every 60 to 90 days. If you have pets, allergies, or smokers in the building, consider replacing filters every 30 to 60 days for optimal performance.

Set a calendar reminder or sign up for subscription delivery of filters to stay on top of replacements.

Can You Clean and Reuse HVAC Filters?

Disposable filters — the most common type — are not designed to be cleaned. Attempting to vacuum or wash them can damage the delicate mesh, leave behind moisture that promotes mold growth, and fail to remove deep-seated particles.

Washable or reusable filters can be cleaned, but they still have a limited lifespan (typically 3–5 years) and require thorough drying before reinstallation to prevent mold buildup.

Do HVAC Filters Remove Odors?

Standard HVAC filters are not designed to eliminate odors from smoke, pets, or other persistent sources. If you're struggling with lingering smells after a fire or other event, professional odor removal services using ozone, hydroxyl, or fogging technology are necessary. Visit ServiceMaster Restoration By Simons to learn more about specialty cleaning and deodorization.

Frequently Asked Questions About HVAC Filters

How do dirty HVAC filters affect my energy bill?

Dirty filters restrict airflow, forcing your HVAC system to work harder and use more energy. According to Energy Star, this can increase energy consumption by up to 15% (Energy Star).

Are expensive filters worth the investment?

Higher-quality filters may capture smaller particles, improving air quality — but it’s critical to choose a filter compatible with your system. Always follow your manufacturer’s recommendations.

Can dirty filters make you sick?

Yes. The EPA states that poor indoor air quality caused by dirty filters can contribute to respiratory issues, allergies, and asthma (EPA).

What signs indicate my filter needs changing?

If you notice dust buildup near vents, increased allergies, musty smells, or uneven temperatures, it’s time to inspect and replace your filter.

About ServiceMaster Restoration By Simons

ServiceMaster Restoration By Simons is a locally owned, award-winning disaster restoration and specialty cleaning firm proudly serving Chicago, Oak Park, River Forest, Skokie, Evanston, Wilmette, Northbrook, Highland Park, and Lake County. Part of the nation’s oldest restoration brand, founded in Chicago in 1929, we bring over 40 years of local expertise and compassionate service.

Our IICRC-certified professionals specialize in:

• Water & Flood Damage Restoration
• Fire & Smoke Damage Cleanup
• Mold Remediation
• Specialty Cleaning & Odor Removal

We are recipients of the 2020 BBB Torch Award for Ethics, the 2020 Skokie Business of the Year Honorable Mention, and the SB100 Best of Small Business Award 2021.

📖 Learn more in our book: RESTORE: A Complete Guide to Protecting Your Home As Your Most Valuable Asset.

📞 Call 773-376-1110 or visit ServiceMaster Restoration By Simons for expert help today.