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Your Water: What's in It and What to Do About It

Most people don’t know what’s in their water until something goes wrong. A weird smell. A neighbor’s test comes back with lead. A news story about PFAS contamination two towns over.

This section covers what’s actually in drinking water, both the regulated stuff utilities are required to test for, and the gaps in that testing.

City Water vs. Well Water

The EPA’s Safe Drinking Water Act covers about 90 contaminants. Your utility must test for them all, report violations within 30 days, and send you an annual Consumer Confidence Report (CCR). You can look yours up at EPA’s CCR database.

The rules cover municipal systems serving 25 or more people. Private wells fall outside EPA jurisdiction entirely.

That matters because roughly 43 million Americans use private wells, according to the 2017 CDC report. If you’re one of them, you’re responsible for testing. No agency will remind you.

What the EPA Doesn’t Regulate

Being legal doesn’t mean being safe. A few examples:

The EPA sets a “maximum contaminant level” (MCL) of 15 parts per billion (ppb) for lead. But the EPA itself says there is no safe level of lead exposure in children. The 15 ppb limit is a practical treatment standard, not a health threshold.

PFAS, a group of thousands of synthetic chemicals used in nonstick cookware, firefighting foam, and waterproof clothing, went essentially unregulated in drinking water until April 2024. The EPA’s new MCL for PFOA and PFOS is 4 parts per trillion. Many utilities are still working to comply.

Disinfection byproducts form when chlorine or chloramine reacts with organic matter in source water. The EPA limits trihalomethanes (THMs) at 80 ppb. Some research links long-term THM exposure to bladder cancer risk, though the absolute risk is small.

The Contaminants That Matter Most

These are the four we hear about most often, and the ones with the best evidence behind the concern.

Lead, no safe level in children. Primary source: old lead pipes and lead-solder plumbing, not usually the treatment plant. Renters and owners of pre-1986 homes should test.

PFAS, detected in roughly 45% of US tap water samples, per a 2023 USGS study. Linked to thyroid disease, kidney cancer, and immune suppression at elevated exposures. Reverse osmosis removes 90, 99%.

Nitrates, a health risk for infants under six months. Common in well water near agricultural land. The EPA MCL is 10 mg/L. Any level above that is a problem for formula-fed babies.

Hard water, calcium and magnesium dissolved in water. Not a health risk. Does shorten water heater and appliance life significantly. A water softener solves it, but adds sodium to the water in exchange.

Start with a Symptom

If something about your water seems off, start here. Each of these pages diagnoses a specific symptom and tells you what to test for.

Where to Start

Get a water test before buying any filter. A test tells you what’s actually present, not what might be. An at-home test kit covers the basics quickly. A mail-in lab test gives you more detail and a written report.

From there, treatment is specific to the problem. RO for PFAS and lead. A water softener for hardness. An iron filter for well water with iron issues. There’s no single filter that handles everything.

Contaminant Guides

PFAS in Drinking Water

Detected in 45% of US tap water. What the EPA's 2024 limits mean, where PFAS comes from, and how to remove it.

Lead in Drinking Water

Lead enters at the tap, not the treatment plant. How to test, who's at risk, and what actually removes it.

Well Water

Nitrates in Well Water

Fatal for infants under 12 months. High in agricultural areas. Boiling makes it worse, not better.

Well Water

Bacteria in Well Water

No federal oversight of private wells. Nobody tests yours but you. What to look for and what to do.

Well Water

Iron in Well Water

Orange staining, metallic taste, slime. Three types of iron require three different treatments.

Well Water

Arsenic in Well Water

2.1 million Americans drink well water above the arsenic limit. Highest risk in New England and the Southwest.

Hard Water

85% of US homes have it. Not a health risk, but it destroys appliances and shortens water heater life.

Chloramines in Tap Water

30% of US water systems switched from chlorine to chloramines. What changed and what filters you now need.

Trihalomethanes (THMs)

THMs form when chlorine disinfects water with organic matter. Municipal water concern with long-term cancer links.

Well Water

Manganese in Well Water

Has an EPA health advisory for neurological effects. Different from iron, needs different treatment.

Chromium-6 in Tap Water

Found in water serving 250 million Americans. No federal limit specific to chromium-6. California adopted 10 ppb in 2024.

Microplastics in Drinking Water

Bottled water has 20x more microplastics than tap. What the research shows, what's still unknown, and what RO removes.

VOCs in Drinking Water

Benzene, TCE, PCE from gas stations, dry cleaners, and industrial sites. USGS found VOCs in 65% of domestic well samples.

Fluoride in Drinking Water

Three different numbers from three different agencies. What each means, and what actually removes fluoride if you want it out.

Well Water

Hydrogen Sulfide (Rotten Egg Smell)

If only the hot water smells, the culprit is your water heater anode rod, not the well. How to tell the difference.

Well Water

Radon in Well Water

89% of the health risk is from breathing it, not drinking it. New England and granite bedrock regions are highest risk.

Well Water

Well Water: What to Know

Private wells aren't regulated. You're responsible for testing. What to test for, when, and how.

Frequently Asked Questions

Is tap water safe to drink in the US?
For most city water customers, yes, the EPA requires utilities to test for 90+ contaminants and report violations. But 'legal' doesn't always mean 'risk-free.' Lead, PFAS, and disinfection byproducts can be present below EPA limits and still raise health questions.
What's the difference between city water and well water?
City water is treated and tested by your utility under EPA Safe Drinking Water Act rules. Private wells are your responsibility, no federal testing requirements apply. The CDC recommends testing wells at least once a year.
What contaminants should I worry about?
It depends on where you live and your source. PFAS is widespread and largely unregulated until 2024. Lead is a risk in older homes with lead pipes or lead-solder joints. Nitrates matter if you're on a well near farmland. Hard water isn't a health risk but damages appliances and plumbing.
Do I need a water filter?
Not automatically. Start with a water test. If your results come back clean, you may not need one. If you find lead, PFAS, or nitrates above advisory levels, a reverse osmosis system is the most reliable fix for all three.