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<!-- Post thumbnails are pretty useful and pretty easy to use in WordPress. Simply add: -->

add_theme_support('post-thumbnails'); 

<!-- To a theme's functions.php file and you'll get a Featured Image module on the admin screen for posts which allows you to select one. -->

<!-- It is also very easy to output that image as an HTML <img>: -->

the_post_thumbnail();

<!-- But what if you just need the URL? Say, you're going to use it as a background-image on an element rather than a content image. Unfortunately there is no super easy/obvious function for that. -->

<!-- Within the loop, you'll have to do: -->

$thumb_id = get_post_thumbnail_id();
$thumb_url_array = wp_get_attachment_image_src($thumb_id, 'thumbnail-size', true);
$thumb_url = $thumb_url_array[0];

<!-- Then $thumb_url will be that URL. -->