What is the normal of Average heart rate 65 year old female?

That depends on if you are active or resting. You resting heart rate may also depend on a number of factors. If you are basically fit and in the proper weight range, your resting heart rate is likely to be in the 70-80 bpm range.

For exercise, you can find an approximate max heart heart by subtracting your age from 220. Your max would be approximately 185.

the above answer is correct, if your looking for your maximum heart rate then yes its 220- age, this is the same for everyone but is only a rough guide and only tells you your maximum heart rate, if your looking to find what heart rate you should be training at you then need to decide what levels you are looking for, here is an example....

General well being, health and weight loss,

220-age X it from 60-75%

stamina, speed, fitness

220-age X it from 75-100%

im 23 so for me to work out my heart rate for weight loss would be.....

220-23=197BPM this is my Maximum heart rate for my age, i now multiply this number by 60-75% for this example ill use 70%

so 197 x 0.70 = 137.9BPM

now because everyone is diffrent this always differs by + or - 11BPM so it gives you an average heart range, again example

137BPM + and - this by 11BPM gives you an Heart Rate Zone of between 126-148

like i said because everyone is diffrent and everyones body and heart is diffrent your heart rate needs to be between these numbers in order to feel the effects, otherwise it is as simple as wanting your heart rate to be as low as possible, average resting heart rate should be 72-74BPM average, the lower your heart rate the better and healthier it is, the higher means your heart has to work more, so keep your resting heart rate at about 72-74 BPM and keep your blood pressure at around 120 over 80, this is your systolic and diastolic blood pressure readings, the higher these readings the worse of you are generaly, the lower isn't always great news either, but im ranting now,! hands up if your BORED!!