How to Change an AC Filter: A Step-by-Step Guide for Florida Homeowners
If you live in Florida, you know how much your air conditioner works year-round. Between the heat, humidity, pollen, and storms, your AC system is constantly under pressure to keep your home cool and your air healthy. One of the simplest and most important ways to keep your system running smoothly is by regularly changing the AC filter.
In this guide, we’ll walk you through why AC filters matter, how often you should change them in Florida, and exactly how to replace them step by step.
Why AC Filters Matter in Florida Homes
Your AC filter isn’t just a piece of cardboard with some mesh attached, it’s your system’s first line of defense.
It keeps indoor air clean by capturing dust, pollen, pet hair, and other allergens. It protects your AC system by preventing dirt from building up on coils and motors, which can lead to breakdowns. It improves energy efficiency by allowing air to flow easily, reducing strain on your system. And it supports your family’s health, especially in households with kids, pets, or allergies.
In Florida, where humidity is high and AC systems often run 24/7, filters clog faster than in other parts of the country. That’s why local homeowners need to be extra vigilant about filter changes.
How Often Should You Change an AC Filter in Florida?
The “every 90 days” rule of thumb doesn’t always work here. In fact, most Florida households should check their filters every 30–60 days.
Factors that affect how often you need to change your filter include:
Pets: More hair and dander means faster clogging.
Kids and high traffic: More activity means more dust in circulation.
Allergies or asthma: Families with sensitivities should change filters more often
Flooring type: Hardwood or tile tends to kick up more dust than carpet.
Filter location: Floor-level intakes collect debris faster than ceiling returns.
Pro Tip from Stellar: Instead of relying on the calendar, check your filter every month. If it looks dirty, replace it. If not, you can wait, but never go more than 90 days.
Signs Your AC Filter Needs to Be Changed
Don’t wait for problems to get worse. Here are some clear warning signs your filter is overdue for a change:
Rising electric bills without a change in usage
AC struggling to keep the house cool
Weak airflow from vents
More dust settling on furniture than usual
Musty or dusty smells when the AC runs
Increased allergy or asthma symptoms indoors
If you notice two or more of these, it’s time for a new filter, immediately.
What Type of AC Filter Should You Use?
Not all filters are created equal. Choosing the right one depends on your priorities and the lifestyle you live.
Fiberglass Filters
Cheapest option
Protects equipment but does little for air quality
Needs replacement every 30 days
Pleated Filters
Better at catching dust, pollen, and pet dander
Available in different MERV ratings (higher = finer filtration)
Balanced option for most homes
High-Efficiency Filters (HEPA or advanced pleated)
Traps very small particles, good for allergies or asthma
May restrict airflow if not matched to your system
Usually more expensive, changed every 60–90 days
Pro Tip from Stellar: For most Florida homeowners, a pleated filter with a MERV rating between 8–13 offers the right balance of air quality and system performance. Always check your manufacturer’s recommendations before upgrading.
How to Change an AC Filter: Step-by-Step
Replacing a filter is quick and easy once you know what to do. Here’s the process.
Step 1: Turn Off Your AC
Safety first. Shut off your AC at the thermostat before removing the filter to avoid pulling debris into the system.
Step 2: Locate the Filter
Most Florida homes have the filter in one of these places: behind a return air grille on the wall or ceiling, or inside the air handler unit (often in a closet, attic, or garage).
Step 3: Remove the Old Filter
Open the grille or compartment and carefully slide out the filter. Check the size (printed on the frame), you’ll need the same dimensions for your replacement.
Step 4: Inspect and Compare
Hold the old filter up to the light. If you can’t see through it, it’s definitely clogged. Compare it to a new one to see the difference.
Step 5: Insert the New Filter
Look for the arrows printed on the filter frame, they show airflow direction. The arrows should point toward the air handler (or away from the room). Slide the new filter into place securely.
Step 6: Close the Grille and Restart
Secure the grille or panel, then turn your AC back on. Enjoy cleaner air and stronger airflow immediately.
Extra Filter Tips for Florida Homeowners
Set a reminder: Put a recurring alert in your phone to check the filter every month.
Buy in bulk: Having extras on hand means you’ll never put off a change because you forgot to buy one.
Consider upgrades: UV lights, whole-home air purifiers, and sealed ductwork can extend filter life and improve overall air quality.
Check after storms: Florida’s dust, pollen, and storm debris can clog filters faster, inspect after major weather events.
Why Professional HVAC Maintenance Still Matters
Changing your filter is the easiest DIY task, but it’s only one piece of the puzzle. Professional HVAC maintenance includes:
Cleaning coils and drain lines
Checking refrigerant levels
Inspecting electrical components
Testing system performance
Filters protect your system day-to-day, but preventative service keeps it efficient and extends its life.
The Payoff of a Clean Filter
Replacing your AC filter regularly pays off in big ways:
Lower energy bills (a clogged filter can increase costs by 15%)
Longer system lifespan with less wear and tear
Better indoor air quality for your family
More consistent comfort throughout your home
It’s a small step with a big impact, especially in Florida’s challenging climate.
AC Services in Tampa Bay Florida
Changing an AC filter is one of the simplest ways to protect your comfort, your health, and your wallet in Florida. All it takes is a few minutes, the right filter, and a regular schedule.
Changing your AC filter regularly is the simplest way to protect your comfort and your system. If you’re unsure which filter works best for your Florida home, or your system still isn’t cooling the way it should after a change, click here to reach out to Stellar Cooling Services. We’ll help you choose the right filter, check your airflow, and make sure your AC is working the way it should.