US city, state and zip code in XML, JSON or comma?

I am looking for any flat file that contains every city, state and US zip code. I searched high and low, and I can only find the databases that I use to create a flat file, but I decided to check here first.

If someone else does not have a ready-made solution, I will analyze the database and publish the flat file as an answer.

The reason I need this is because of the automatic ajax suggestion. YQL and other free remote solutions were inconsistent and, at worst, unreliable. I also do not want to make so many database queries.

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javascript ajax ?

EDIT: @elusive, 20 000+ - .

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