Go to a shop and sit on the bikes they have in those sizes and see for yourself. The stem length can often be changed to alter the seat to handlebar distance to have it closer or further away. It is the seat tube top to the top of the head tube, the effective top tube length, that is important and it can vary by more than in inch.
If I feel that I am bunched up on a frame when sitting on the seat and having my hands on the brake handles then the frame is too small for me. I know that in seconds when on the bike with the height of the seat adjusted for my leg length.