The eco-hydrodynamic model was used to estimate the environmental capacity in Gamak Bay. It is composed of the three-dimensional hydrodynamic model for the simulation of water flow and ecosystem model for the simulation of phytoplankton. As the results of three-dimensional hydrodynamic simulation, the computed tidal currents are toward the inner part of bay through Yeosu Harbor and the southern mouth of the bay during the flood tide, and being in the opposite direction during the ebb tide. The computed residual currents were dominated southward flow at Yeosu Harbor and sea flow at mouth of bay, The comparison between the simulated and observed tidal ellipses at three station showed fairly good agreement. The distributions of COD in the Gamak bay were simulated and reproduced by an ecosystem model. The simulated results of COD were fairly good coincided with the observed values within relative error of 1.93%, correlation coefficient(r) of 0.88. In order to estimate the environmental capacity in Gamak bay, the simulations were performed by controlling quantitatively the pollution loads with an ecosystem model. In case the pollution loads including streams become 10 times as high as the present loads, the results showed the concentration of COD to be $1.33{sim}4.74mg/{ell}(mean;2.28mg/{ell})$, which is the third class criterion of Korean standards for marine water quality In case the pollution loads including streams become 30 times as high as the present loads, the results showed the concentration of COD to be $1.38{sim}7.87mg/{ell}(mean;2.97mg/{ell})$, which is the third class criterion of Korean standards for marine water quality. In case the pollution loads including streams become 50 times as high as the present loads, the results showed the concentration of COD to be $1.44{sim}9.80mg/{ell}(mean;3.56mg/{ell})$, which is the third class criterion of Korean standards for marine water quality.