This study aimed to examine the relationship between urbanization and income inequalities in Chipata Central Constituency, focusing on the factors influencing employment access and income distribution among urban residents. A quantitative research approach was employed, utilizing statistical analysis, including Pearson correlation coefficients, to analyze data collected from a diverse sample of urban residents. The findings revealed a strong positive relationship between urbanization and income inequalities, underscored by a Pearson correlation coefficient of 0.955. While urbanization led to economic growth, it also resulted in significant income disparities, with marginalized groups experiencing limited benefits from these economic opportunities. The study found that higher education levels were closely linked to improved income distribution, corroborating existing literature that highlights the education-income nexus. Moreover, access to employment opportunities demonstrated a high correlation with urbanization (r = 0.981), suggesting that urban areas generally provided better job prospects; however, systemic barriers, such as discrimination and lack of information, hindered equitable access to these opportunities. Consequently, the study recommended implementing inclusive urban policies that promote equitable resource distribution and ensure active involvement of marginalized communities in decision-making processes. Additionally, it advocated for targeted educational initiatives and skill development programs to enhance employability, particularly for disadvantaged residents. Enhancing access to decent work environments, supporting entrepreneurship, and investing in infrastructure development were also emphasized as vital strategies for fostering a more equitable urban landscape. Overall, the study highlighted the necessity of ongoing research and community engagement in urban planning to mitigate the adverse effects of urbanization on income inequality and promote sustainable economic development in Chipata Central Constituency.