As a non-American, I’m very confused by this. If it’s a town, it’s not rural by definition. Because, you-know, it’s urban.
Also, could we get a definition of town vs small town. Do you not have the concept of a village? (Village in the UK would be a settlement with a population of a couple of thousand, with usually a pub, local shop, maybe a post office and primary school if you’re lucky).
“Town” is generally used to mean “something smaller than a city”. I live in a town, and the population is about 30K. It’s technically a township, but people don’t really use that term widely. I know that doesn’t really clear things up, but your real answer is “it’s complicated”.