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No, it should be ten times less. (Assuming you have a fresh new site.)
It depends on the module and on the number of data (eg this forum +100K posts).
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Does the URL rewrite module affect the loading time of the XOOPS site?
Depending on the method used, it should normally not take much. If you switch off URL-rewriting, you would know if it differs.
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Switch debug on, there is a report with timings, which could give info over what is taken so long (eg database server).
Ask your hoster about this page load time. Switch hoster, if he thinks it is normal.