The tidal dynamics and the characteristics of pollutant migration in the drowned-valley tidal inlet, a typical unit of coastal tidal inlets, are strongly influenced by geomorphological features. Along with the development of society and the economy, the hydrodynamic and water quality environment of the tidal inlet is also becoming more disturbed by human activities, such as reclamation of the sea and the construction of large bridges. In this study, a typical drowned-valley tidal inlet, Zhanjiang Bay (ZJB), was selected for the establishment of a model via coupling of a tidal hydrodynamic model and water quality numerical model. This model can be used to simulate the migration and diffusion of pollutants in ZJB. The spatial and temporal variation processes of water quality factors of the bay under the influence of special geomorphic units was simulated at the tidal-inlet entrance, the flood/ebb tidal delta, and the tidal basin. The results show that ZJB has strong tidal currents that are significantly affected by the terrain. Under the influence of the terrain and tidal currents, the phosphorus and nitrogen concentration at the flood-tide and ebb-tide moments showed obvious temporal and spatial differences in the ebb-tide delta, tidal-inlet entrance, flood-tide delta, and tidal basin. In this study, we analyzed the response mechanism of the water quality environment to the drowned-valley tidal inlet, and this can provide theoretical guidance and a basis for decision-making toward protecting the ecology and water security of ZJB.