When I say "urban area" I mean the continuous built up urban area into the suburbs. American sprawl means that metropolitan areas are much further spread out than their European or Asian counterparts, to the point where most of Boston-Washington is sprawl and very little of it is farmlands.
In any case when you start building HSR it becomes progressively harder to eke out savings and the highest come from urban area speedups. Going from 50 to 100MPH cuts a lot more time than going from 150MPH to 200MPH. And the former simply doesn't work in the median of a highway.