Ghetto:
refers to very high concentrations of people drawn from a particular ethnic or cultural background living in specific parts of an urban area....
The term is now commonly associated with notions of deprivation, unemployment and social exclusion.
A ghetto is an area where people from a specific ethnic background or united in a given culture or religion live as a group, voluntarily or involuntarily, in milder or stricter seclusion.
Take the defenition you want...... I grew up here, live here, work here and am bringing up my children here..... and to me - some aspects of diversity take us down the path to marginalisation and the creation of ethnic ghettos.
IMHO