To find the total cost \( c \) for a monthly water usage of \( x = 1200 \) gallons, we can use the function:
\[ c = 0.25x + 20 \]
Substituting \( x = 1200 \):
\[ c = 0.25(1200) + 20 \] \[ c = 300 + 20 \] \[ c = 320 \]
So, for a monthly usage of 1,200 gallons, the total cost \( c \) is $320.
The point that accurately represents this monthly usage on the graph would be \( (1200, 320) \).