Should window headers be set against the top plate or at rough opening height

framing

I've been building load bearing walls with the header located at the top of the desired window or door opening, but have had a couple people comment on how I should be putting the header directly below the top plate to save time. I find it actually takes more time to come back later and toenail a horizontal 2×6 exactly where I want the window or door opening to be and then later curse myself when I want to attach j channel or 5/4 trim on the top portion of the window since the window flange uses up most of the 2×6 I have used for the opening.

It seems this doesn't matter in terms of structural support as long as people put in the cripples below the plate and above the header to connect the load transfer.

Is there any other reason I should consider keeping the headers at the very top of the walls? I did read that span ratings vary if the header is connected to the top plate vs only connected to the king stud and cripples.

Best Answer

I was taught to put them slightly above the opening and blocking between the header and top plate. But have seen others do it at the top. For a small opening I doubt that it matters but for larger windows I would want my header close to the window for stability especially in a windy area.