I've never had a problem with ordering from Apple in which my billing address is different than my shipping address. Since I travel a lot of for work I have a UPS Store/Mailbox Etc which is the billing address for my credit card. When I know I'm going to be in town I have Apple products shipped to my home address.
My UPS Mailbox address and home address are in the same zipcode so I don't know if that has anything to do with it.