I encounter these two words pretty often, both orally and in writing. What is the difference between two, and how to pronounce, say in USA?
Urbane has a more subjective meaning. Urban means something that relates to the city, while urbane describes a level of sophistication and elegance that supposedly would be typical for city folk.
urban means posh and well developed, of course, talking about a city while urbane has more to do with his mannerisms- reflecting sophistication and class.
Urban is more city related, whereas urbane refers to the manners of the people in a city.