I'm guessing by "Urban Fantasy" you're not looking for fantasy set in Medieval cities, but more modern cities with a fantasy overlay - like the Dresden Files books?
Option 1: Reskin/Reflavor
When you're looking at crunch-heavy games, it's often easier to reskin or reflavor existing systems. For example, you can run 4e or PF2 by limiting the game to classes and ancestries that would fit. For example, you could get an excellent feel in PF2 by allowing only humans, restricting to classes like the Investigator, Thaumaturge, Witch, Psychic, Gunslinger, etc.
Option 2: Out of Print Books
If you don't mind going OOP, d20 Modern had an urban fantasy splatbook (Urban Arcana). Based off 3.5 edition D&D, there should be plenty of character options, but you'd need both books. (The PDF is currently $12 on DriveThruRPG. The POD is a bit pricier - but at least it's available.)
Option 3: Toolbox Systems
A system like Savage Worlds, using the various Companions (such as Horror and Fantasy), would allow you to curate the specific experience you want. The tactical depth is not as deep as PF2 or 4e (about on par with 5e), but it gets you part of the way there.