Besides provider and type of wire, what else effects speed? Browser, cpu, ram, malware, local congestion, external wireless devices?
Excusing the fixed number your ISP gives you (this is assuming they maintain conditions allowing you to receive that number by properly adding nodes and putting down fiber as the number of users goes up in your area), the following conditions will effect your download speed:
- distance from destination
- the amount of switches you make to get there (not really a big deal, but does slow down transfers somewhat)
- maximum upload speed the server has
- number of users simultaneously connected to said server (if there are 5k other people trying to download the file, and they have a 100 Gbit line, the maximum possible speed to you is 2.56 MB/s assuming QoS is in place)
- Any Quality of Service or other artificial limitations on speed put in place (for example: priority is often given to paying members for downloads, so x% is allocated just for them to guarantee their speeds)
Things that effect your (individually) internet speed:
- Any other users online in the same house
- Any background processes that use the Internet running (includes malware)
- Any QoS on your local router
Those last three only effect your individual computer's speed, not your house's speed overall.