Urbanization exposes wildlife to many unfamiliar environmental conditions, including the presence of novel structures and food sources. Adapting to or thriving within such anthropogenic modifications may involve cognitive skills, whereby animals come to solve novel problems while navigating, foraging, etc. The increased presence of humans in urban areas is an additional environmental challenge that may potentially impact cognitive performance in wildlife. To date, there has been little experimental investigation into how human disturbance affects problem solving in animals from urban and rural areas. Urban animals may show superior cognitive performance in the face of human disturbance, due to familiarity with benign human presence, or rural animals may show greater cognitive performance in response to the heightened stress of unfamiliar human presence. Here, I studied the relationship between human disturbance, urbanization, and the ability to solve a novel foraging problem in wild-caught juvenile house finches (Haemorhous mexicanus). This songbird is a successful urban dweller and native to the deserts of the southwestern United States. In captivity, finches captured from both urban and rural populations were presented with a novel foraging task (sliding a lid covering their typical food dish) and then exposed to regular periods of high or low human disturbance over several weeks before they were again presented with the task. I found that rural birds exposed to frequent human disturbance showed reduced task performance compared to human-disturbed urban finches. This result is consistent with the hypothesis that acclimation to human presence protects urban birds from reduced cognition, unlike rural birds. Some behaviors related to solving the problem (e.g. pecking at and eying the dish) also differed between urban and rural finches, possibly indicating that urban birds were less neophobic and more exploratory than rural ones. However, these results were unclear. Overall, these findings suggest that urbanization and acclimation to human presence can strongly predict avian response to novelty and cognitive challenges.