You're not wrong, but then again, the typical American doesn't live in a typical city (where typical = median).
The average American city/town has a population of 20,000, yet 80% of the population lives in a metropolitan area.
(http://www.newgeography.com/content/00242-america-more-small...)
If that's counterintuive, imagine the extreme case of a country with 100 cities of 10,000 residents, and one city of 10 million residents. The median city has 10,000 residents, yet 10 out of 11 millions live in the big city.
If you are interested in the experiences of people as opposed to statistics about cities, the sort of city a typical American lives in is more interesting than a typical city.