Urban phenotypic divergences are documented across diverse taxa, but the underlying genetic and environmental drivers behind these phenotypic changes are unknown in most wild urban systems. We conduct a common garden experiment using great tit (Parus major) eggs collected along an urbanization gradient to: 1) determine whether documented morphological, physiological, and behavioural shifts in wild urban great tits are maintained in birds from urban and forest origins reared in a common garden (N = 73) and 2) evaluate how different sources of genetic, early maternal investment, and later environmental variation contributed to trait variation in the experiment. In line with the phenotypic divergence in the wild, common garden birds from urban origins had faster breath rates (i.e., higher stress response) and were smaller than birds from forest origins, while wild differences in aggression and exploration were not maintained in the experiment. Differences between individuals (genetic and environmentally induced) explained the most trait variation, while variation among foster nests and captive social groups was limited. Our results provide trait-specific evidence of evolution in an urban species where genetic change likely underlies urban differences in morphology and stress physiology, but that urban behavioural divergences are more strongly driven by plasticity.