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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.
For total cholesterol, less than 200 mg/dl is optimal, and the total level should be kept below 240 mg/dl to avoid the risk of heart disease. For LDL, less than 100 mg/dl is optimal, and the total level should be kept below 160 mg/dl. Finally, a healthy HDL level is set above 60 mg/dl, and should be kept above 40 mg/dl for men and above 50 mg/dl for women to prevent excessive accumulation in the blood and along the artery walls.