These days most of the PCs features SmartFan. If CPU is not hot, CPU fan speed will slow down to ~800RPM. The fan speed can go up to 3~4000RPM if CPU is hot. Make sure your CPU is not hot.
Case fan speed depends on motherboard temp. Again, it should only run at ~800RPM to ~1200RPM.
Low quality fans are very noise. ADDA makes the most noisy fans I've ever seen. Antec, Thermaltake fans are nice and quiet, but cost a few times more.
Power Supply fans can be noisy also. Video card fans are generally noisy. Again, good fans cost a lot more.
You should be able to identify which one of these makes the most noise and try to replace it on your own. I don't recommend replacing CPU HSF if you have never done that in the past. Also, you should clean out all the dust that blocks air flow.