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Learning transferable multimodal embeddings for urban environments is challenging because urban understanding is inherently spatial, yet existing datasets and benchmarks lack explicit alignment between street-view images and urban structure. We introduce UGData, a spatially grounded dataset that anchors street-view images to structured spatial graphs and provides graph-aligned supervision via spatial reasoning paths and spatial context captions, exposing distance, directionality, connectivity, and neighborhood context beyond image content. Building on UGData, we propose UGE, a two-stage training strategy that progressively and stably aligns images, text, and spatial structures by combining instruction-guided contrastive learning with graph-based spatial encoding. We finally introduce UGBench, a comprehensive benchmark to evaluate how spatially grounded embeddings support diverse urban understanding tasks -- including geolocation ranking, image retrieval, urban perception, and spatial grounding. We develop UGE on multiple state-of-the-art VLM backbones, including Qwen2-VL, Qwen2.5-VL, Phi-3-Vision, and LLaVA1.6-Mistral, and train fixed-dimensional spatial embeddings with LoRA tuning. UGE built upon Qwen2.5-VL-7B backbone achieves up to 44% improvement in image retrieval and 30% in geolocation ranking on training cities, and over 30% and 22% gains respectively on held-out cities, demonstrating the effectiveness of explicit spatial grounding for spatially intensive urban tasks.