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I mentioned this on another thread that someone had similar issues on. I'm doing easy / slow runs, my perceived rate of exertion feels correct ie I can hold a conversation comfortably for the entire duration and my pace is consistent with the ones the VDot app recommends, but my average heart rate sits at about 83.5% ie zone 4, on some steep hills will stray into zone 5. If I was to try and sit consistently in zone 3 I'd need to be doing lots of walking to bring that heart rate down. I've estimate my MRH at 185 which is a peak I'd took in some recent hard intervals, I'm 42 male and about 185lb's.
Interestingly enough the intervals I do based on 185 and 10/10 exertion seem to come in around 93% ish average and the threshold intervals I did some were around late 80's. Question is am I over training on my slow runs? I thought the max heart rate could be too low but judging by my effort on intervals and threshold I'd say it isn't.