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Obligation also varies for women and men. Basically, though if you arrive in Israel after the age of 20, service is voluntary - not mandatory. And if you arrive in Israel after the age of 26 - service isn't even an issue.
According to this article on the Israeli Ministry of Foreign Affairs website (http://www.mfa.gov.il/MFA/Facts+About+Israel/State/THE+STATE-+Israel+Defense+Forces+-IDF-.htm) you can technically volunteer up to the age of 51.
However, by other accounts, in reality you might meet with resistance from the army because of your age. I suggest you read through this blog and try posting your question there - http://aliyahsurvivalblog.wordpress.com/the-army/