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Total cholesterol measurements in women become a major heart-disease risk factor after menopause because their average total cholesterol leaps from 194 mg/dL when they're 40 to 49 years old to 219 mg/dL when they're 50 to 59. Total cholesterol above 200 mg/dL is a risk factor, the NCEP reports. Men's average total cholesterol is 205 mg/dL when they're 40 to 49 and 208 mg/dL when they're 50 and above. Below age 40, men's average total cholesterol is 185 mg/dL but for women it is 183 mg/dL.
NCEP defines a desirable total cholesterol level as less than 200 mg/dL, and levels for most women stay in the healthy or desirable range until middle-age. But between the ages of 45 and 55, women's average total cholesterol rises to almost 220 mg/dL. Between the ages of 55 and 64, those levels average 240 mg/dL. Total cholesterol levels between 200 and 239 mg/dL are considered borderline high, meaning you have a borderline-high risk of developing heart disease.