Uh......what people are getting depends on exactly what you stated....% rate, term, down payment. What any one else is paying is simply a reflection of their financial condition.
Figure out what you'd like to do....and go for it. What every one else is doing isn't going to be of much help.
Personally, I'd rather have a smaller monthly payment just in case something financially would happen. For that reason, I'm going to put about 13k down. Payments should be around 330 or so.