The most common characteristic is that whole house filters are too small. If you are using something like a 10" long, 2.5" diameter cartridge, it is too small.
Doubling the size of the filter will increase the change interval by a factor of 3 or 4, and will cut your cost by 30 to 50 percent.
I have installed many filters as part of systems to meet the EPA Surface Water Treatment Rule. The usual flow rate is about 0.4 gallons per minute through a 10" equivalent string wound filter cartridge. At that flow rate each cartridge typically processes 15,000 gallons of water from a good quality pond, which is much worse than well water. Typical cost is about $0.30 per 1000 gallons of water, or about $30 per year for a typical household.
It is probably impractical to install enough small housings to get your flow rate down to 0.4 GPM per cartridge. I have recently started to use the Harmsco PolyPleat filters because it is possible to put more area in a smaller housing. Scroll down at the following link and find the PP-BB-20-1 for a 1 micron absolute filter (probably better than you need). http://www.harmsco.com/uploads/pdf/h...at_catalog.pdf
Also look at other cartridges (less expensive) which probably will meet your sediment removal requirements. Carbon filters are also shown a this link. http://www.harmsco.com/pdf/IP_Calyps...NAL_040904.pdf
I would select those that go in the 20" long "Big Blue" housing.
There are others here who will recommend backwashable filters. They don't remove as much as the cartridge filters and are more expensive to install. You get to pick which will best meet your needs. Send me a Private Message here if you want to find a source for the cartridge filters.