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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.
The normal, and desirable, total cholesterol level is any level less than 200 milligrams per deciliter of blood, according to the National Institutes of Health. Optimal levels of LDL and HDL cholesterol are less than 100 milligrams and 40 milligrams per deciliter of blood, respectively.