$collection = Mage::getModel('customer/customer')->getCollection()
->joinAttribute('billing_postcode', 'customer_address/postcode', 'default_billing', null, 'left')
->joinAttribute('billing_city', 'customer_address/city', 'default_billing', null, 'left')
->joinAttribute('billing_region', 'customer_address/region', 'default_billing', null, 'left')
->addFieldToFilter('billing_postcode','123456') // replace with your post code
->addFieldToFilter('billing_city','test') // replace with your city
->addFieldToFilter('billing_region','test') // replace with your region
Best Answer
you can change the customer attibute sort order in
customer_eav_attribute
table