This study conducted water quality projection of year 2010 in Miho stream of the Geum river basin by using GIS. Pollutant load data of corresponding tributary of the Miho stream is estimated based on the pollutant load of TMDL zone to simulate water quality of the Miho stream for BOD, TN, and TP. The pollutant load of the urban area such as Bochung and Musim stream basin is relatively high and the wastewater treatment plant of Chunju city directly affects the entire water quality of the target area. As a result, simulation result reveals that water treatment facility needs more refined treatment process for efficient water quality management. Also, to meet the target water quality of the Miho stream water quality simulation estimates the additional dilution flow by increasing irrigation water supplied from the Daechung dam through the Musim stream.