I'm talking New York - its fashion, music, and underground scenes. Not ghetto urban.
Trashy is fine, if it's fashion-trashy like Taylor Momsen.
Things you might wear to an underground club, a rock concert, or a party. Perhaps a bit uptown and Paris Vogue. Perhaps a bit edgy, a touch punk or rock. Maybe both at the same time. Leather. Spikes, maybe. Maybe not.
Again, this is a feel, not a recipe.
Five points to any model who brings an art-worthy leather jacket to go with her urban look.
Five extra points for any model who has sexy wifebeater or cut-up or ripped-up t-shirt to go with her look.