This study assessed the physicochemical and microbiological quality of water from nine fish farms across three local government areas (Makurdi, Tarka, Gboko) in Benue Northwest Senatorial District (Zone B). Water samples were analyzed for colour, temperature, pH, turbidity, conductivity, total suspended solids (TSS), total dissolved solids (TDS), total solids, acidity, alkalinity, chloride, nitrate, phosphate, sulphate, dissolved oxygen (DO), chemical oxygen demand (COD), biological oxygen demand (BOD), trace metals (Fe, Cr, Pb, etc.) and microbial indicators (total plate count, coliforms, fecal coliforms). Results showed colour, turbidity, TSS, nitrate, phosphate, COD, BOD, and DO frequently exceeded JOSTUM standards, while iron, chromium, and lead surpassed trace‑metal limits. All samples were cloudy with high microbial loads and tested positive for coliforms and fecal coliforms. The findings indicate nutrient over‑enrichment, organic and inorganic pollution, and severe microbial contamination, rendering the water unsuitable for sustainable aquaculture. To improve fish health and productivity, the study recommends integrated water‑quality monitoring, nutrient and runoff control, aeration and effluent treatment, heavy‑metal remediation, biosecurity measures, microbial control, and regular farmer training with policy support.