Specifically because of server restrictions for this project I cannot use anything like Google maps. I cannot use a database. I only have access to PHP 4.39 and FTP.
Zip/postal codes are in a CSV file.
The idea I had is the user types in their postal code, the script searches an array, matches the first two digits, plus or minus 2. This would not result in a perfect nearest match, but close enough.
Summary: accuracy is less important than simplicity for this project, I think.