I haven’t looked at the other generators on the site yet, but Justin “Quirk” Dunmyre’s Town Generator is impressive. It comes up with tons of NPCs, each with a names, race/class/level, gender, and distinguishing characteristic. It also generates taverns, stores, and shops of various sorts, each with staff and notes about the shop’s peculiarities.
Obviously, it doesn’t go into depth, but it gives more than enough to serve as a great idea generator… or a crutch for when the party goes looking for a jewelery shop and you don’t have anything prepared.
Go check it out while I look at the other generators on the site.