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Wild Rats. In the wild, the life expectancy for a rat is much lower: 95 percent of wild rats die before they reach their first birthday. A 1-year-old rat would be around 30 years old in human terms. The most common cause of death in wild rats comes from predators, such as owls, hawks and foxes.
36 months (3 years) = 90 human years. 3.5 years = 95 human years. 4 years = 100 human years. As far as I know the longest living pet rat on record lived to be seven years old. But that is the only case reported and that long life span was a miracle of sorts. I've only heard of a hand full of rats living to be four years of age, so it is very rare for them to reach that age also.