For this particular query, only the index on the zip column will help you
(that doesn't mean, that the index on the city column can't help for other
queries - this only applied to this one particular query). As a general
rule, you should also take care not to place indexes that are not necessary,
because they can slow down INSERTs. Indexes should always be balanced
according to the concrete needs of a table. A good choice is to place
indexes on columns that have direct relations to other tables or that are
often used in a WHERE clause (like the zip column in your query).
65 columns for a table are quite a lot - are you sure that the data is
properly normalized (in case it is not, normalization would very likely lead
to better performence).
Also if it is normalized (although it's very rare that you need 65 columns
in a table if the data is normalized), it could make sense to split it up to
create 2 or more tables that are referenced to each other in a 1 : 1
relationship. You could group the data together in a way that you have those
columns in the same table that are mostly queried together. The less columns
you have, the better the performence will be.
The 90,000 rows should not be the problem because if you have that amount of
data to store, there's probably no way to reduce the number of rows. The
solution will most likely be to split the data up into more tables.
Markus