It's within acceptable limits.
You must take into account your case cooling, and weather. If the weather is hot, you can expect temps to rise. If you lack the air flow in your case, then it means a starving processor. Not that you should worry, however. As long as you are not experiencing any stability problems.
As for overclocking, it really is a trial and error situation. If you need a guide to overclocking, you can find a good one right here
MODERATORThe opinions expressed above do not represent those of Advanced Micro Devices or any of their affiliates.