I think your list is a very good one. It looks like you’ve thought about it and found some places that would be a good fit. It sounds like Emerson would be great for you. AND you are correct to be looking at the financial side.
If you’re willing to travel, the Midwest might offer some opportunities. Some of the flagships are outstanding national research universities. They don’t receive as many applications as schools like UVA, UNC, Michigan, etc. that are ranked higher. Still, they draw many of the top students in their states, and quality OOS students as well. They are often much less expensive than some of these other schools, like Michigan. And many of them are urban.
University of Kansas: Lawrence is a great college town. Not a big city, like Boston, obviously, but a very nice restaurant area right by campus. We know a professor there who raves about the large number of restaurants, of all types.
Nebraska and Iowa are also urban schools. Iowa is very well known for creative writing, especially for grad students.
https://www.writinguniversity.org/content/writing-iowa
You can research what sort of aid is available to OOS students and run the NPC. I’m not sure if you can get the cost under $35k, but possibly.
For example, scroll down on this link to check out scholarships at UK for OOS students. Looks like you could get money and close to in-state tuition with KU Distinction scholarship.
https://admissions.ku.edu/tuition-scholarship/freshman
Another great possibility is VCU’s Robertson School of Media and Culture. VCU is really a better school than it appears in general rankings. It is especially strong in communications and art. It has a med school as well. It is an urban campus. Richmond (RVA) is undergoing a complete remodeling and has become very popular with students and young professionals in recent years. The campus is very close to the Fan, with many restaurants, etc.
https://robertson.vcu.edu
It would be too expensive without aid, and that would be more difficult to get as an OOS student, but you could run the school’s NPC.
https://finaid.vcu.edu/apply/cost/
Good luck!