The question sounds simple. The answer depends entirely on what’s in your water.
Most filter marketing works backward from the product to the problem. This guide works forward: start with your specific contaminant, find the right certification standard, then pick a filter format.
Step 1: Test Before You Buy
Buying a filter without testing is like buying medicine without a diagnosis. You might get lucky. More likely, you’ll spend money on the wrong thing.
What to do:
- City water: Start with your Consumer Confidence Report (CCR), your utility sends one annually. Look for contaminants above EPA limits or with asterisks. Then consider a mail-in lab test for contaminants the CCR doesn’t cover (PFAS, lead at the tap, microplastics).
- Well water: Test annually at minimum. Use a certified lab. A basic well water panel should cover bacteria, nitrates, pH, hardness, iron, and manganese. Add arsenic if you’re in the Northeast, Southwest, or Midwest. Add PFAS if you’re near a military base or industrial site.
A mail-in water test from a certified lab costs $30, $200 depending on the panel. That’s less than most filters.
Step 2: Match Your Contaminant to an NSF Standard
This is the key step most buyers skip.
| Contaminant | NSF Standard | Filter Types That Qualify |
|---|---|---|
| Chlorine taste/odor | NSF 42 | Pitcher, under-sink carbon, whole-house carbon |
| Lead | NSF 53 | Solid carbon block, reverse osmosis |
| Cysts (Giardia, Crypto) | NSF 53 | Solid carbon block, RO, UV Class A |
| PFAS (PFOA, PFOS) | NSF 58 / NSF P473 | Reverse osmosis, some certified pitchers |
| Arsenic | NSF 58 | Reverse osmosis, activated alumina |
| Nitrates | NSF 58 | Reverse osmosis |
| Fluoride | NSF 58 | Reverse osmosis, activated alumina, bone char |
| Bacteria/viruses | NSF 55 Class A | UV disinfection (paired with pre-filtration) |
| Iron (ferrous) | None federal | Oxidizing filter, air injection, water softener |
| Hardness | None federal | Water softener (ion exchange) |
| Emerging contaminants | NSF 401 | Certain activated carbon filters |
A filter certified under one standard isn’t certified under others. Verify the specific contaminant in NSF’s database: info.nsf.org/Certified/DWTU/
Step 3: Choose a Filter Format
The right format depends on your contaminant, your usage, and your budget.
Pitcher Filters
Best for: chlorine taste/odor, some PFAS and lead reduction (with NSF 53/P473 certified models) Not for: whole-house treatment, nitrates, arsenic, bacteria
Cost: $30, $90 upfront, $60, $200/year in replacement filters Note: Filter life matters. An overloaded pitcher filter can leach contaminants back. Track gallons, not just time.
Certified for lead + PFAS: Clearly Filtered. Certified for lead: ZeroWater. Taste/odor only: standard Brita.
Under-Sink Reverse Osmosis
Best for: PFAS, arsenic, nitrates, fluoride, lead, broad dissolved contaminant removal Not for: well water with bacteria or iron (those need treatment before the RO membrane)
Cost: $200, $600 upfront, $50, $150/year in filters NSF standard: NSF 58 Top performers: see Best Under-Sink RO Systems
Countertop Reverse Osmosis
Best for: renters or anyone who can’t install under-sink systems, same contaminant coverage as under-sink RO Not for: high-volume households (slower flow rate than under-sink)
Cost: $150, $400 upfront NSF standard: NSF 58 Top performers: see Best Countertop RO Systems
Under-Sink Carbon Block
Best for: lead reduction at a single tap, chlorine, VOCs Not for: PFAS (inconsistent), nitrates, arsenic, fluoride, bacteria
Cost: $100, $300 upfront, $30, $80/year in filters NSF standard: NSF 53 (verify lead specifically)
Whole-House Filter
Best for: iron, sediment, sulfur smell, chlorine throughout the whole house Not for: dissolved contaminants like nitrates or arsenic (whole-house RO exists but is expensive)
Cost: $300, $2,000 installed depending on type See: Best Whole-House Water Filters
UV Disinfection
Best for: bacterial and viral contamination in well water Not for: chemical contaminants (UV doesn’t remove dissolved chemicals)
Must be Class A (NSF 55 Class A) for any actual disinfection. UV works best after sediment and carbon pre-filtration, dirty water blocks UV light and reduces effectiveness. See: Best UV Water Purifiers
The Boiling Misconception
Boiling kills bacteria and viruses. That’s all it does.
Boiling does NOT remove lead, PFAS, nitrates, arsenic, fluoride, or any dissolved chemical contaminant. For nitrates specifically, boiling concentrates them, it evaporates water but leaves the dissolved nitrates behind at a higher concentration. Never boil water to treat nitrate contamination.
One Direct Recommendation
If you have city water and you’re not sure where to start: get a mail-in water test, then compare it against your CCR. If lead is the concern, an NSF 53-certified under-sink filter or RO system handles it. If PFAS is the concern, an NSF 58 RO system is the reliable solution.
If you have a private well and you’ve never tested: test first. A basic panel from a certified lab costs less than any whole-house system and tells you exactly what you’re dealing with.
See also: NSF Certification Standards Explained, a full breakdown of what each standard covers and how to verify certifications.