HEPA, MERV, and UV: What Type of Air Filter Is Right for You?

May 20, 2025

When it comes to indoor air quality, your HVAC system's air filter plays a much bigger role than you might think. It’s not just about trapping dust; it’s about protecting your health, extending the life of your HVAC system, and improving overall comfort in your home. However, with numerous options available, including HEPA filters, MERV-rated filters, and UV air purifiers, how do you determine which one is best suited to your needs?

Let’s break down the differences between these filter types and help you choose the best one for your home and lifestyle.


What Is a HEPA Filter?

High-Efficiency Particulate Air (HEPA) Filters

HEPA filters are designed to capture at least 99.97% of particles as small as 0.3 microns. That includes dust, pollen, pet dander, mold spores, and even some bacteria and viruses.

Pros:

  • Exceptional filtration, excellent for allergy or asthma sufferers.
  • Removes tiny particles that standard filters may miss.
  • Often used in hospitals, clean rooms, and homes with health-sensitive occupants.

Cons:

  • Not typically compatible with standard residential HVAC systems without modification.
  • Can restrict airflow if not installed properly, which may strain your HVAC system.
  • More expensive than standard filters.

Best For:
Households with severe allergies, asthma, or compromised immune systems, especially if paired with a custom HVAC solution designed to handle HEPA-level airflow resistance.


What Is a MERV Rating?

Minimum Efficiency Reporting Value (MERV)

MERV is a rating system that measures how effectively a filter captures particles of varying sizes. MERV ratings range from 1 to 20, the higher the number, the finer the filtration.

MERV Rating Captures Common Uses
1-4 Large particles like dust and pollen Basic residential filters
5-8 Mold spores, dust mites, pet dander Standard residential HVAC systems
9-12 Finer dust, lead dust, auto emissions Homes with allergy sufferers
13-16 Bacteria, smoke, virus carriers Hospitals, labs, high-end residential
17-20 Ultrafine particles Clean rooms (typically HEPA filters)

Pros:

  • Widely available and affordable.
  • Compatible with most standard HVAC systems (MERV 8–12).
  • Balances filtration efficiency and airflow for most households.

Cons:

  • MERV 13 and higher can restrict airflow and may require system upgrades.
  • Doesn’t eliminate all airborne germs or viruses unless paired with additional purification.

Best For:
Most homeowners will find that MERV 8–12 filters offer a solid balance of protection and system efficiency. For those with allergies, a MERV 11 or 13 can significantly improve indoor air quality.


What About UV Air Purifiers?

Ultraviolet (UV) Air Purification

UV filters or UV air purifiers utilize ultraviolet light to kill or deactivate microorganisms, such as mold spores, bacteria, and viruses, as they pass through the HVAC system.


Pros:

  • Great for neutralizing biological contaminants that filters can't capture.
  • Reduces mold growth on HVAC components, such as coils.
  • Works silently and continuously.

Cons:

  • Doesn’t remove dust, pollen, or pet dander, must be paired with a traditional filter.
  • UV bulbs need to be replaced every 12–24 months.
  • Higher upfront cost for installation.

Best For:
Homes concerned about airborne germs and mold, especially in humid climates or homes with ductwork prone to mold buildup. Works best when combined with a high-MERV or HEPA filter.


Which Air Filter Is Right for You?

Here’s a quick guide to help you decide:

Your Concern Best Option
General dust and debris MERV 8–10 filter
Severe allergies or asthma MERV 11–13 or HEPA (with system upgrade)
Immune-compromised household HEPA + UV
Mold and bacteria MERV 11–13 + UV light
Virus protection HEPA or MERV 13+ + UV

Final Thoughts

Choosing the right air filter comes down to your household’s needs, your existing HVAC system, and your budget. For most homes, a MERV 8 to 13 filter will offer excellent air quality without straining your system. If you're concerned about airborne germs or have medical concerns, investing in a HEPA filter or a UV purifier may be worthwhile, just make sure your HVAC system can accommodate it.


Still not sure what’s right for you? A qualified HVAC technician can assess your system and help you build a solution that keeps your air clean, your system efficient, and your family breathing easy.

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Your HVAC system works hard to keep your home comfortable all year—but like any piece of equipment, it needs regular care to operate efficiently and last as long as possible. Unfortunately, many homeowners unknowingly make mistakes that can lead to higher energy bills, reduced air quality, and even system breakdowns. Here are the top 10 HVAC maintenance mistakes homeowners make—and how to avoid them to keep your system running smoothly.  1. Forgetting to Replace the Air Filter The mistake: Many homeowners wait too long to change their HVAC filters—or forget entirely. Why it matters: Dirty filters restrict airflow, forcing your system to work harder. This can reduce efficiency, cause unnecessary wear and tear, and even lead to system failure. How to avoid it: Check your filters monthly and replace them every 1–3 months, or more frequently if you have pets, allergies, or live in a dusty area. 2. Skipping Annual Maintenance The mistake: Some people assume their system is working fine and skip regular professional check-ups. Why it matters: Small issues can turn into expensive repairs if not caught early. Annual tune-ups help keep your HVAC system efficient and reliable. How to avoid it: Schedule professional HVAC maintenance at least once a year—ideally in the spring for cooling and in the fall for heating. 3. Blocking Vents and Registers The mistake: Furniture, curtains, or rugs sometimes block air vents, reducing airflow throughout your home. Why it matters: Blocked vents can cause uneven heating or cooling and increase the strain on your system. How to avoid it: Make sure all vents and registers are unobstructed. Rearranging furniture may improve airflow and system performance. 4. Closing Too Many Interior Doors The mistake: Some homeowners keep interior doors closed when the HVAC is running to save energy or isolate rooms. Why it matters: Most HVAC systems are designed for balanced airflow. Closing doors disrupts that balance and can cause pressure buildup, reducing efficiency. How to avoid it: Keep interior doors open slightly to allow air to circulate properly throughout your home. 5. Ignoring Strange Noises or Smells The mistake: Homeowners sometimes dismiss odd sounds or smells from their HVAC system. Why it matters: Noises and odors can indicate mechanical issues, electrical problems, or mold growth in the ductwork. How to avoid it: Call a professional if you notice unusual sounds or smells. Addressing them early can prevent significant damage. 6. Incorrect Thermostat Settings The mistake: Setting the thermostat too high or too low or frequently adjusting it throughout the day. Why it matters: Constant changes force your system to work harder, wasting energy and increasing wear. How to avoid it: Use a programmable or smart thermostat to maintain consistent temperatures and optimize energy use. 7. DIY Repairs Without Proper Knowledge The mistake: Attempting to fix HVAC issues without the right tools or experience. Why it matters: DIY repairs can void warranties, damage the system, or create safety hazards. How to avoid it: Perform basic maintenance like changing filters or cleaning vents. Leave complex repairs to licensed HVAC professionals. 8. Not Cleaning the Outdoor Unit The mistake: The condenser unit outside is often neglected and can get clogged with leaves, dirt, or debris. Why it matters: A dirty outdoor unit can’t efficiently release heat, which reduces cooling efficiency and increases energy use. How to avoid it: Check and clean your outdoor unit regularly. Clear at least two feet of space around it for optimal airflow. 9. Failing to Seal Duct Leaks The mistake: Duct leaks often go unnoticed, especially in attics or crawl spaces. Why it matters: Leaky ducts waste energy by letting conditioned air escape, which makes your system work harder. How to avoid it: Have your ductwork professionally inspected for leaks and sealed. This can boost efficiency and comfort. 10. Installing the Wrong-Sized System The mistake: Bigger isn’t always better. Some homeowners assume a larger system will heat or cool faster. Why it matters: An oversized or undersized system can lead to poor performance, uneven temperatures, and higher energy bills. How to avoid it: Always consult an HVAC professional before replacing or upgrading your system. Proper sizing based on home layout and square footage is key. Final Thoughts Regular HVAC maintenance is essential to keeping your home comfortable, system efficient, and energy bills low. Avoiding these common mistakes extends the life of your HVAC system and helps maintain indoor air quality and reduce costly breakdowns. If you’re unsure about the condition of your system or when it was last inspected, it might be time to schedule a professional tune-up . Taking care of your HVAC system now can save you money—and headaches—down the road.