You shouldn't be able to touch your foot down while still in the saddle, although this is the saddle height many people use.
That's a bit of an overstatement because it is possible to get at least a tip-toe down on many bikes when the saddle is adjusted reasonably. It depends on the bottom bracket height.
And also the length of your feet. My size 4 ladies feet are about 9 inches long. T'other half's 12 long size 11 feet can reach the ground when mine can't. -- Men get laid, but women get screwed. Quentin Crisp Steph Peters delete invalid from [email hidden] Tatting, lace & stitching page <http://www.sandbenders.demon.co.uk/index.htm>