How often does a timing chain need to be changed?

Honda civic 06 ex

With newer Honda's I believe 90 k

When it starts making noises like when the guides or tensioner goes out like greater than 180,000 miles

I didn't think Civics had chains. Look at your owner's manual.

More than likely a timing belt an if you plan on keeping the car 75,000 miles to be safe.

All engines in the North American 2006 Civics used timing chains. There will be a metal cover behind the serpentine belt, not plastic. If you keep up with scheduled oil changes the chain should last the life of the engine.