Not trying to be funny or anything but a thousand factors can effect CTR.
Yes, that sounds low to me. The trick is to find out why it's low...
you're doing it wrong!
How do you figure? For the very same reason that it's impossible to decipher whether a certain CTR in a vacuum is low, high or normal - it's also impossible to decipher the quality of an account from only this stat. I manage Content campaigns of all types... for some themes, campaigns can work wonderfully at CTRs at the stated level - and even lower.
So even if your quality score is okay, a low bid will cause your ad to show up lower on the list, which will result in a low CTR.
Raise your bid to $.05 or more and work on improving the match between your keyword group, text ad, and landing page.