Are you in-state? Because Macalay NO LONGER covers tuition for OOS applicants. 
Otherwise, yes you definitely have a shot.
First gen = neither parent has a 4-year college degree.
You ARE above average - your ACT is top 2%. Colleges ALWAYS look at the school record in context. Kids on this website tend to come from families where 200K income is considered “middle class” (the “real” middle class income in the US is 55 to 65K - most questbridge candidates get a full ride for up to that income, or a bit higher if they’re 5 or 6 in the family.) For first gen or lower income kids, even universities where the average is 32 will no mind a 28, especially if the school’s average is 16-19…
Unless I missed something, you’re a very strong applicant and frankly you’d be a strong Questbridge contender.