That being said, the 1mz-fe engine in your avalon (99-2004) is a non- interferance engine. If your timing belt brakes there is little to no chance of doing serious damage to your car - you will have a good scare though coasting to a stop. If you do however own a 2005 or newer the broken belt will likely mean a new car for you.
The labor time on the belt is around 4-6 hours depending on the mechanic with ~$200 in parts.
rubber timing belts should be replaced at around 60'000 mi. if its steel it shouldn't need replacing. the cost either way would probably be around 1000$. ask around at different shops foe estimates.
Most likely $700 - $900
What year Avalon?
consider, taking the front of motor off. removing/replacing water pump too. $600 easy
well that is up to you. so when every you decide to get off your a$$ and call around and get quotes, you will know the answer to that question.