Backgrounds are a feature of 5E that I really enjoy. They're flavorful enough to help create a story for your character, add mechanical benefits in the form of starting equipment and proficiencies, and flexible enough that you can assemble your own background pretty quickly if none of the existing options appeal.
For Urban Arcana, I wanted to make sure existing core 5E backgrounds still had a place, but introduce new ones that were more appropriate to the world with which we are familiar. Naturally, there's going to be some overlap or similarity, but the difference between a fantasy survivalist who contends with a savage wilderness where magical beasts lurk and a modern day survivalist who uses academic know-how to overcome situations is enough to possibly warrant a variant.
The most crucial difference, though, is the tools of the trade. A white collar worker is just going to have a different set of talents than an elven aristocrat fresh off the teleport pad from the magical world of your choice. Even if both are members of the wizard class, the latter might have training in courtly dance, poetry, and heraldry, while the former wrote a program to manage their spellbook on their enchanted smartphone.
There's also the question of weapon proficiencies. I wanted to allow the existing backgrounds to help determine what sort of weapon proficiencies, archaic or modern, the character's class gave them. A fighter from a fantasy world knows how to use all kinds of swords, polearms, whips, bows, and axes. A fighter from the modern world might be an enlisted soldier, trained in firearms, combat knives, and situational weapons such as a trench shovel.
Point being, the world in which a character grew up would help determine what it is their class taught them to use. To wit, the backgrounds I present below are all considered "modern backgrounds" and thus modify class proficiencies. Basic 5E backgrounds would instead give the standard "archaic" weapon groups.
Of course, I might end up retooling the weapon and armor proficiencies entirely. We'll see.
I haven't done any of the ideals/bonds/flaws charts for these yet, as those tend to come later and are pure fluff that many experienced players ignore anyway. They'll be in the final product. I'm also taking suggestions for other backgrounds to make; I need to do some crime-focused one to mirror the base criminal background, as well as an academic one that mirrors a sage/scholar.
Blue Collar
The virtues of hard work don't always pay off, but a strong work ethic and a dedication to family and community are the hallmarks of the blue collar worker. Whether it's a factory job, a skilled trade, or even labor, the blood and sweat of blue collar society greases the wheels of modern civilization.
In the modern magical world, most blue collar workers are humans born into that lifestyle, but non-humans also make up a significant percentage of that demographic. Dwarves, orcs, bugbears, and others may find themselves well-suited to such jobs.
Skill Proficiencies: Insight, plus one Charisma skill of your choice (Deception, Intimidation, Performance, Persuasion).
Tool Proficiencies: One set of modern tools of your choice, plus either automobiles or computers.
Modern Proficiencies: You are proficient in the modern version of your class's standard weapon proficiencies.
Equipment: Civilian identification, a set of modern tools with which you are proficient, a multitool, a pre-paid cell phone, a set of common clothes, and a wallet with $100.
Feature: I Know a Guy
One of the strengths of the blue collar community is a strong networking with other trade workers. Even if you don't know how to do a particular thing yourself, you can always reach out to your friendly contacts to find a skilled tradesperson in the field you need within any modern settled area.
Dilettante
The world is full of people who avoided, or for some reason couldn't, devote themselves to a particular trade or career. Maybe you just hated the idea of continued education, having been bored to death in school to begin with. Perhaps circumstances kept you out of the system and unable to succeed, through reasons outside of your control.
It's not that you lack talents -- far from it. You simply don't have a focus, and it is this lack of focus that affords you great flexibility, at the cost of society's brand of success.
Skill Proficiencies: Any two Intelligence, Wisdom, or Charisma skills of your choice.
Tool Proficiencies or Languages: You are proficient either in any one modern tool set, one modern instrument, or any one modern language.
Modern Proficiencies: You are proficient in the modern version of your class's standard weapon proficiencies.
Equipment: Civilian identification, a pocket knife, a one-way bus ticket, a set of common clothes, and a wallet with $50.
Feature: Flexible Training
Part of the problem with never focusing on a specific skill, but being very quick on the uptake, is that it is easy to forget how to do something once your brain switches gears. After completing a long rest in which you read up on a technical manual, watch a detailed online course, or do some hands-on training with an expert in a field, you can forget one tool proficiency, instrument, or language in which you are proficient and replace it with the relevant tool, instrument, or language of your choice.
Once you use this feature, you cannot do so again until at least 30 days have passed.
Drifter
You never could stay in one place for long. Maybe someone had it out for you, or you lost everything at the tables in Atlantic City. Perhaps it was due to spending all your time and money on the inside of a bottle.
Well, the world really got more complicated, because now there's magic and really weird folks walking right alongside the rest of us.
Skill Proficiencies: Perception, Survival
Languages: One of your choice from modern languages, as well as "hobo glyphs."
Modern Proficiencies: You are proficient in the modern version of your class's standard weapon proficiencies.
Equipment: Civilian identification, a pocket knife, a backpack, a first aid kit, a set of threadbare common clothes, and a wallet with $5.
Feature: Invisible to Society
Subconsciously or otherwise, people tend to overlook the downtrodden and the homeless. Prejudice and societal scorn form a cloak around you, one that makes it easy to appear innocuous in large groups of people.
You are skilled in blending into the background of crowds and urban environments. So long as you are not dressed in a manner that draws attention to you, or in a location where a stranger would stand out, you can move from place to place without drawing attention to yourself. Mechanically, this can manifest as disadvantage on ability checks made to notice you in public.
Law Enforcement
In the real world, there's an axiom about how no one wants a cop around until they need one. This remains true in the modern magical world, but a large portion of that has to do with the fact that laws and procedures do not yet account for the arrest and prosecution of dragons and wizards. A few very confused, very twitchy cops with body cameras can turn a bad situation worse when a magical being is involved.
Nevertheless, you have a background in law enforcement. Perhaps you left the force after peeking behind the curtain and seeing what was really going on, or becoming disillusioned with police corruption, endless crime, or low pay (or perhaps all of the above). Alternately, you could still be employed as part of a special, off-the-books task force dedicated to enforcing laws on a very strange populace indeed.
Skill Proficiencies: Athletics, Investigation
Languages: One of your choice from modern languages.
Modern Proficiencies: You are proficient in the modern version of your class's standard weapon proficiencies.
Equipment: Civilian identification, a light pistol with no mods, 24 light pistol bullets, high-powered flashlight, a set of common clothes, and a wallet with $150.
Feature: Friend on the Force
Whether or not you are still part of the agency, you know at least one person with access to files, goods, or information that you can call for a favor. Some possibilities include a court clerk, the precinct's medical examiner, or a police informant. You may contact this individual for help in their particular field, but they will often request a favor from you in return.
Once you use this feature, it is considered bad manners to do so again before 30 days have passed. Asking for help too often may cause the contact to break off ties with you, or get both of you in trouble with their superiors.
Military
Every country in the modern world has a standing military, though the training offered varies wildly based on the defense budget allocated for recruitment and outfitting. You were part of a major military branch, such as the U.S. Marines, the German Heer, or the Israeli Defense Forces, with commensurate training and outlook.
You might have completed officer training or did a tour (or several) as an enlisted recruit. Regardless of what your role in the services was, you are now entering a very different world.
Skill Proficiencies: Athletics, Intimidation
Tool Proficiencies: One set of modern tools of your choice.
Modern Proficiencies: You are proficient in the modern version of your class's standard weapon proficiencies.
Equipment: Military identification, a set of military dress, a set of common clothes, a half-dozen surplus MREs, and a wallet with $100.
Feature: Military Rank
You possessed a rank while in the service and can reach out to others in your unit or who served in the same division as you for favors or shelter. While it is highly unlikely that you can get military grade requisitions as part of this favor, you might be able to use this contact to get your hands on surplus that would be bound for civilian resale anyway.
If world events become dire, it is possible that your military may call you back into service. It is generally a very serious legal offense to ignore this call without sufficient cause.
White Collar
Whether you went to law school and joined a firm as a junior partner, or worked your way into the corporate system through hard work and more than a little brown-nosing, the white collar field is your home now. A cutthroat industry of office politics, crushing bureaucracy, and possibly some long hours looking busy at a desk is probably not how you imagined earning your keep, but it pays the bills.
Skill Proficiencies: Investigation, Persuasion
Tool Proficiencies: Computers
Equipment: Civilian identification, a set of business attire, a set of common clothes, a key to your apartment, and a wallet with $200.
Feature: Part of the System
Being part of the system is a blessing and a curse when you're involved in the modern magical world. Chances are high that you have a primary care physician, a mediocre health plan, a modest place to live, and a savings account. You can sign up for most services and take out credit lines with a little bit of work and a few hours on the phone.
Of course, this also tethers you to a world that doesn't really appreciate one voice in the hundreds of millions of voices. Creditors will pursue you, coworkers will recognize you, and your fingerprints (perhaps even literal ones) are all over government databases. It's hard to break free, but maybe you don't want to -- being able to go to the doctor is a privilege few can afford these days.