you can apply for i 485 right now, it doesn't matter.
but the thing is that uscis will deny ur case at interview saying that your wife should be in valid non immigrant status till the time u file i 485.

bottomline is u can apply for i 485 but your case will be declined at interview. so you will lose 1000+ or whatever is the filing fees.

so, it's better to wait for ur citizenship...