To find the total cost \( c \) for a monthly usage of 1,200 gallons of water, we can substitute \( x = 1200 \) into the cost function \( c = 0.25x + 20 \):
\[ c = 0.25(1200) + 20 \]
Calculating this:
\[ c = 300 + 20 = 320 \]
Thus, when using 1,200 gallons, the total cost is $320. The point that accurately represents this monthly usage would be \( (1200, 320) \).
So, the correct answer is:
(1200, 320).