The answer to 'air filter smells bad' is that a smelly air filter is usually caused by bacteria, mold, or mildew buildup. This can happen when the filter gets dirty and damp, providing a breeding ground for these microorganisms. A smelly filter is a sign that it needs to be changed or cleaned.
Some common symptoms of a smelly air filter include musty odors coming from your HVAC vents, and potential health issues like allergies or respiratory irritation for people in the home. To fix the problem, you'll need to replace the dirty filter with a new one, or clean the existing filter if it's reusable.