Methinks I'll elaborate on my answer a bit.

If it's radio, then it's not that loud, unless a good song comes on.

With my mp3 player I usually have only one earphone in, and the player at half-volume - just so I can hear it over whatever's happening around me.

On the computer (like now, with The Fratellis - Chelsea Dagger) I'll have it as loud as I can get away with. Currently I'm alone in the house, so it's quite loud.