Your GPA is totally fine… but colleges will also take into account of where you want to school and how you stand against your peers - class rank or not.
Are top-tiers out of the question? Of course not. No matter what people tell you, it is possible.
Unfortunately, there are schools that prioritize students that are out-of-staters and can pay full tuition. An example of this is UCLA. Someone that is friends with an admissions officer there says that there’s a separate pile for them, due to the budget crisis that UC’s are going through. - But it is possible.
Take a step back though and find a college where you will be happy - don’t let top-tier be a factor for deciding unless you are sincerely passionate about the school in all due respect.
Now, MIT. MIT is special. I do not know why but some people here believe that you need a perfect GPA and a near perfect SAT score to even be considered. GPA and SAT scores are possibly the least considered things in the admissions process at MIT. If you do not believe me, go on MIT’s website.
To conclude, admissions officers don’t look for reasons to reject you, rather they look for things to move you up in the admissions process, contrary to what the internet does.