Responsible breeders are working on getting the life expectancy up by tracking longevity (as well as health - tumors etc) in their lines. Even so, of the rats I've noticed, most seem to pass around 2 years of age - sometimes just before or just after. There are a handful I've known live 2.5 - 3 years. I have heard of rats living up to five years, but I typically doubt those claims.
I currently have 20 rats, aged everywhere between three weeks and 1 year.