Yeah @stuartk, I thought using the term Urban might raise some eyebrows ;-) .
Though now commonly used as a synonym for black, I used the term more literally: city music, irrespective of the ethnicity of the people making the music. The sound of a bunch of horns squawking away---very common in Jazz music---reminds me of car horns blaring in a traffic jam. The sound of a piano playing chords with dissonant notes (also common in Jazz) evokes in me the sense of tension and danger I felt while living in New York City. I saw some sick, twisted people there, lots of them. Couldn’t wait to get out.
I like stringed instruments, more common in what I call "Rural" music. And harmony singing, very, very rare in Urban music. Bluegrass, Hillbilly, Hard Country, Rockabilly, Gospel (see, it’s not about ethnicity ;-), Blues (ditto), etc.
On the other hand, I love 50’s and 60’s Soul music, which many consider Urban. Not necessarily. Motown (which I also don’t care for) sounds Urban to me, but Stax and Atlantic (which I love) don’t. Motown was recorded in Detroit, Stax and Atlantic in Tennessee and Alabama. Urban vs. Rural.
And I think of the music from my youth---the Garage Bands of San Jose, CA---what Rock ’n’ Roll historian Greg Shaw called Ground Zero for that genre---as Suburban ;-) .