A small number of products are currently registered by EPA specifically for use on the inside of bare sheet metal air ducts. A number of products are also registered for use as sanitizers on hard surfaces, which could include the interior of bare sheet metal ducts. While many such products may be used legally inside of unlined ducts if all label directions are followed, some of the directions on the label may be inappropriate for use in ducts. For example, if the directions indicate "rinse with water", the added moisture could stimulate mold growth.
Air duct cleaning service providers may tell you that they need to apply chemical biocide to the inside of your ducts as a means to kill bacteria (germs) and fungi (mold) and prevent future biological growth. They may also propose the application of a "sealant" to prevent dust and dirt particles from being released into the air or to seal air leaks. You should fully understand the pros and cons of permitting application of chemical biocides or sealants. While the targeted use of chemical biocides and sealants may be appropriate under specific circumstances, research has not demonstrated their effectiveness in duct cleaning or their potential adverse health effects. No chemical biocides are currently registered by EPA for use in internally-insulated air duct systems (see Should chemical biocides be applied to the inside of air ducts?).
No one has addressed mfg homes and doesn't seem any of the comments are from people in So CA which of course does make a difference as my dust comes from the outside not from the vents. My windows are open pretty much 365 days a year. Secondly mfg homes don't have basements or attics I keep mine clean with my vacuum as they are only about 2 ft deep. I purchased my home 10 yrs ago and it is a high end home but have never had a problem. I clean my furnace filter about twice a month as I have cats and most everything in there is cat fur. I am not saying they don't ever need to be cleaned but I am questioning mfg homes, I also clean my own filters in my AC unit outside as the HVAC guy told me too he QUATITY they would sell. I use this same company every year now for my tune up and inspection which takes them about 10 minutes. Not a bad return for them and I don't mind the $79 fee. If anyone has more info than this on mfg homes please let me know!
You may consider having your air ducts cleaned simply because it seems logical that air ducts will get dirty over time and should be occasionally cleaned. Provided that the cleaning is done properly, no evidence suggests that such cleaning would be detrimental. EPA does not recommend that the air ducts be cleaned routinely, but only as needed. EPA does, however, recommend that if you have a fuel burning furnace, stove or fireplace, they be inspected for proper functioning and serviced before each heating season to protect against carbon monoxide poisoning.