Resting rate at home, if no booze been touched for a day 😉 , can be 50ish or mid 40s, and I’m 41. Noticeably down from 5-10 years ago but then I’ve taken up mtb during that time plus heart rate slows as you get older.
But as said, that rate doesn’t mean much. Speed of return to rest after a burst of exercise is key. During a ride HR is 150 average, 180ish max, and if we’ve stopped for a mechanical or social chat it goes down to 70 to 80 after a minute or two according to my HR monitor, though depends on what came before the rest. At home it drops back down, though in the early days of riding I’d find it would be elevated to 70 for almost a day after riding! but that’s not the case now.
Note that my ride HR is based on off road MTB. Road will be quite different I assume as there are less short bursts of energy, more long sustained effort.