The answer to 'why is my air filter smells bad' is that a smelly air filter is usually caused by mold, mildew, or bacteria buildup on the filter. This can happen if the filter gets damp, such as from high humidity or leaks, and the organic matter gets trapped and starts to decay.
Some common symptoms of a smelly air filter include a musty, moldy, or unpleasant odor coming from the HVAC system, as well as potential health issues like allergies or respiratory problems for people in the home. The solution is to replace the dirty air filter as soon as possible to prevent further microbial growth and odors.