Furnace Filters

QUESTION:

I got to reading up on this topic as research fora new house that I want to start building soon.
I read that most furnace fans are only capable of driving about 0.5 in water of pressure. AC coils take 0.2 to 0.3 in of water pressure drop, ducts take another 0.1 to 0.2 in of pressure and then nothing is left for the furnace filter. That's why the cheapest of all filters are generally included on furnaces.
To top it off, furnace installers often do not read the specs for the units that they are installing.
We had our HVAC replaced about 3 years ago with a 12 SEER,80% gas combo. At the time, I insisted that the existing 20x20x1 furnace filter be replaced with a 20x25x1 model ($50 part,$50 filter(20x25x5 Honeywell), $200 labor).
As I have done this research, I have looked at the face of the $6 filter I have installed in the unit presently. It is heavily bowed when the furnace is operating (but makes less noise than the old furnace with a 20x20x1 filter in it). So much bow is there that I worry about the filter collapsing. So far, so good, none have collapsed.
However, reading the specs NOW, its clear that the HVAC installers were not reading the manual. In the mfg's manual, it clearly says for this size fan, operating at roughly 1200 CFM (can operate as high as 1328 with no load),the unit needs not 400sq inches that I had, not 480 sq inches that I now have, but 576 inches (24x24). This extra back pressure on the fan is ROBBING performance, and costing me money. It is at least a 10% drop in air flow.
Cheap solution is to revert to 99 cent fiberglass and change them every few weeks. I want to think of something better than this. BTW increasing the size of the filter to 20x30 is not do able as the structural supports for the furnace are in the way.

ANSWER:

Mass in equal mass out always (that doesn't mean air speed equals air speed). If your furnace is sucking in air at a certain amount per time it is blowing it out at a certain amount per time - otherwise a leak would be indicated. A long duct would increase frictional forces on the air and reduce that amount per time.


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