The only options that would calculate based on the users location would be to use one of the rate lookup services like USPS.
cafe Commerce does not offer custom shipping rules that use the zip code.
Your friends over here at WebAssist! These Dreamweaver extensions will assist you in building unlimited, custom websites.
These out-of-the-box solutions provide you proven, tested applications that can be up and running now. Build a store, a gallery, or a web-based email solution.