I’ll tell you what’s a rational concern, although it’s really not much of a concern.
Yes, Hyde Park is both multi-racial and affluent. There are African-American people living there, and they tend to be accomplished people – people like Barack and Michelle Obama, once upon a time, or Louis Farrakhan. But some of the areas near Hyde Park are neither multi-racial nor affluent. You can walk to the ghetto from Hyde Park, and the ghetto can walk to Hyde Park, too, and sometimes does. It doesn’t have any walls or moats to keep people out, just a couple of small parks. (And to the south, there’s a lot of the University of Chicago on the far side of the relevant park – the Midway – from the rest of the campus.)
When people worry about street crime in Hyde Park, the image they generally have in mind is African-American people (and, now, Mexican-Americans as well) coming from the poor neighborhoods west and south of Hyde Park (and to some extent north, too) to prey on people living in Hyde Park, including University of Chicago students. And when street crime happens in Hyde Park, honestly, that’s generally what it looks like – but it happens far less than most people who aren’t familiar with the community believe.
This has implications for African-American college students, however. If there’s a white or Asian teenager walking around Hyde Park near the University of Chicago campus, everyone will assume that’s a Chicago student, or maybe a faculty brat who’s in high school at the Lab School. If there’s an African-American teenager walking around, people aren’t going to assume that’s a University of Chicago student unless there are some visual clues, like a University of Chicago t-shirt, a book bag with books in it, or maybe Warby Parker glasses. And some people no doubt will respond differently to what they think is a 'hood kid vs. a Chicago student – they will be more tense, less willing to make eye contact, etc. It’s probably more an issue for boys than girls, but girls aren’t exempt. That’s not a reaction they would face at Princeton or Williams. I bet African-American kids notice it on days when they choose not to dress preppy or hipster, and don’t wear branded UChicago gear.
The other thing, too, is that non-UChicago African-Americans in Hyde Park or elsewhere around the city are likely going to be quick to peg someone like the OP as “bougie,” not without reason, and to make clear to her their low opinion of that. I suspect the OP is already familiar with that dynamic