I agree with weezard - Get a few gallons of bottled water just to check and make sure thats the issue. I seems pretty obvious that it couldn't be much else, but better safe than sorry. After you determine that its the water FOR SURE and you install your new filter, even if your PH is right, use both sources of water on isolated test plants - If your results are close to equal, there ya go.

The reason I asked about the source of the seeds (and it was a valid question) was because there are some strains that are VERY finicky about water/nutes while others are not. Another question I have for you is if you have tried (after your PH down of course) adding 1/16th of a feeding of nitrogen. If your balancing your PH properly and still think it's chloramine, use a Vitamin C tablet (dissolve it first) and put into your water.

If you think the problem is Chloramine I do believe the filters are a bit more than $35 because you need an activated charcol filter with a vitamin C additive (that's how you kill the chloramine) HA, I just read weezards entire post, and yes ascorbic acid is what you need.

If you insist on continuing to use your tap, the bottle of ascorbic acid will go alot further than your faucet filter.

On to the next subject, sourcing water. Using your current gutter system you can obtain up to 300 gallons of water per year (depending on the size of your home) by simplying routing your gutters through a filter and into a reservoir.

This WILL solve your chloramine issue, but takes a few hours to setup. I personally don't use this setup, but have seen it implemented before for plant water.

At any rate, I wish you the best of luck