My resting heart rate is higher (or lower) than average. Is my MAF HR different than indicated by the 180-Formula?

No. Resting heart rate (RHR) fluctuates thanks to many of the same variables that affect the MAF heart rate. For example, RHR usually increases when stress levels rise. And because stress is tightly linked with anaerobic activity, a high RHR means that you are closer to being in an anaerobic state than if you had a low resting heart rate.

Typically, the distance between your RHR and your MAF HR says just as much about your present athletic situation as your MAF HR does in isolation.

For example, an elite endurance athlete may have a RHR of 45 BPM. This doesn’t mean that their MAF heart rate should be lower than yours, but rather that they’ve earned a greater distance between their RHR and their MAF heart rate than you have. In other words, their aerobic range is 20 BPM greater than someone with the same MAF heart rate, whose RHR is 65 BPM.