Max HR, training zones, etc is so individual and based on so many different factors (genetics, fitness, etc)...
The old textbook Max HR of 220-age = MHR is a general template that takes nothing BUT age into consideration. A medically administered HR test is expensive, and sometimes hard to find a place that can do it.
I am 49, so using the old method of 220 - 49, my MHR = 171.
My waking HR is 49-54.
My resting HR (just sitting around) is 55-59.
If I'm spinning along chatting with others (or myself), I may crack 113 on the old HR monitor.
If I am pedaling as hard as I can up a big hill on the hottest day in July, my HR might hit 155... maybe. My recovery back down to 110-115 takes about 2 min.
This is now and I'm pretty sedentary.
spazz