I had it stock at 1.4v, and the only way to get it stable around 4.0 was @ 1.5v, and atm I am not overclocking at all, 2 reasons behind it, I just built this and it's my second build, and long story short, the cooler I bought was a Xigametek Dark Knight, the fan burnt out after 7 days of use, so I am on the stock cooler until the replacement arrives. Reason two, because of my restricted budget on the rig, I skimped on the PSU, I bought a 480 watt PSU, when I built my rig, I went to a site that adds up the voltage by telling it the hard ware, my rig was going to run at 410-430, so I thought the PSU would have been fine, little did I know at the time, the PSU is junk, Link:
http://www.newegg.com/Product/Product.aspx?Item=N82E16817338007 I was told I should be using a PSU like this:
http://www.newegg.com/Product/Product.aspx?Item=N82E16817176002 so I gave my first build to a friend until he could afford to pay me back, when I receive that money I will start tweaking on it.