It depends on what you are doing. There are several different heart rate zones. What heart rate zone you need to be in will depend on what you are trying to accomplish with each workout. You will also need to figure out what your heart rate zones are. This can be accomplished several different ways, the easiest way is by doing a 30 minute time trial.
The best thing you can do is pick up a copy of Mountain Bikers Training Bible by Joe Friel. It will teach you pretty much all you need to know about heart rate zone training.
The best thing you can do is pick up a copy of Mountain Bikers Training Bible by Joe Friel. It will teach you pretty much all you need to know about heart rate zone training.