@addygkruse climbing questions are my favorite!
Like @REI-AlyS said, depending on your skill level this can be a normal amount of wear for what you have described. I've worked at Tucson's Rocks and Ropes climbing gym in the past, and the kind of wear that you have in your photo is something we would often see with beginner climbers, particularly due to footwork. As @REI-AlyS said, the hole in the toe rubber typically forms from your toe scraping against the wall as you place your foot on a hold. This type of wear can also be accentuated by dragging your toe along the wall as you continue your movement vertically on the wall (i.e. as you keep climbing and your foot comes off of a hold, it drags on the wall). I would suggest observing how your feet interact with the wall when you climb, and if you find yourself doing either of these two things, working to improve your footwork. It will make your shoes last a lot longer. Here is a video that talks about basic climbing footwork in case you are interested. Here is another video that I love that gives you some drills for practicing footwork.
As both REI employees mentioned as well, re-soling your shoes is often more cost effective than buying a new pair of shoes altogether. If you decide to resole your shoes, I would recommend looking into getting toe caps for your shoes. This is basically a firmer piece of rubber that a re-soler will put on the toe of your shoe which can hold up better against wear and tear than a shoe without a toe cap. A lot of people will put toe caps on their gym shoes because the roughness of the walls and holds will tend to wear the rubber down faster than climbing on real rock. I would highly recommend Onsight Resoles as a re-soler, but they travel around, so they may not be in your area for a while. @REI-PearlD gave great advice in recommending you check with your local climbing gym.
Hope this helps!
one or more gifts or other benefits from the co-op.