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In theory, April 20th is the last average frost day. However we often have a freeze or two after that. And often about a month of too cool and too damp weather. I have mid March as my sort the tomato seeds and get the final tomato plan done, then decide whether to start them early or wait to plant out doors. I often just wait and plant the seeds outdoors.

Being in the same zone as you I usually start them either this weekend or next indoors and them about mid April I look at the 10 day forecast and decide whether to plant outside or no. If I plant I can always use a plastic dropcloth to ward off a late frost. Because I installed a heated greenhouse I started a couple of weeks early this year. I will see how that works and maybe start earlier next year.