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Do minorities live in higher crime neighborhoods because they lack the class resources to live in better areas, or do racial differences in exposure to crime persist even for blacks and whites of comparable backgrounds? Does living in the suburbs reduce exposure to crime equally for whites and blacks? This study analyzes the determinants of living in local areas with higher or lower crime rates in the Cleveland metropolitan region in 1990. Multivariate models are estimated for whites and blacks, with separate models for city and suburban residents and for violent crime and property crime. Within the city, exposure to both types of crime is strongly related to socioeconomic status for both races, but there are also strong independent effects of race on exposure to violent crime. In the suburbs, whites are concentrated in communities with low crime rates regardless of their social class. There are substantial class differences among suburban nonwhites, but even affluent blacks live in places with a higher violent crime rate than do poor whites. [ABSTRACT FROM AUTHOR]