To find the total cost \( c \) for a monthly usage of \( x = 1,200 \) gallons, we can use the function:
\[ c = 0.25x + 20 \]
Substituting \( x = 1,200 \) into the equation:
\[ c = 0.25(1,200) + 20 \] \[ c = 300 + 20 \] \[ c = 320 \]
So, when 1,200 gallons are used, the total cost \( c \) is $320.
In the format \((x, c)\), the point representing this information is:
\((1,200, 320)\).
Thus, the correct answer is
\((1,200, 320)\).