Increasing population is generally responsible for the degraded river ecosystem. Using regression models and mathematical functions, the research quantitatively estimated the population and elevational gradient effects on river water quality during nine surveys from 2006 to 2008 in the Jinshui River basin of the South Qinling Mts., China. The total factor scores at 11 different sampling sites were calculated in factor analysis and first used as pollution index to represent the water quality levels. Population and elevational gradient both significantly linked with most water quality variables and pollution index in correlation analysis and explained 36.5-77.8 % of the total variances in regression analysis, indicating that human activities were gradually frequent with population growth and affected the input and output of pollutants in river water. On the basis of regression models and quadratic functions among population, elevational gradient, and pollution index, the population capacity of the river basin was estimated as 1815 people, and the threshold value of elevation was calculated as 1174 m. The results of multivariate linear models further confirmed that population and population distribution had direct influences on river water quality. This study will facilitate the ecosystem management for mountainous streams and provide quantitative models for understanding and mitigating human impacts on river system.