Monitoring sediment concentration in water bodies is crucial for assessing water quality, ecosystems, and environmental health. However, physical sampling and sensor-based approaches are labor-intensive and unsuitable for large-scale, continuous monitoring. This study employs machine learning models to estimate suspended sediment concentration using images captured in natural light, named RGB, and near-infrared (NIR) conditions. A controlled dataset of approximately 1300 images with SSC values ranging from 1000 mg/L to 150,000 mg/L was developed, incorporating temperature, time of image capture, and solar irradiance as additional features. Random forest regression and gradient boosting regression were trained on mean RGB values, red reflectance, time of captured, and temperature for natural light images, achieving up to 72.96% accuracy within a 30% relative error. In contrast, NIR images leveraged gray-level co-occurrence matrix texture features and temperature, reaching 83.08% accuracy. Comparative analysis showed that ensemble models outperformed deep learning models like Convolutional Neural Networks and Multi-Layer Perceptrons, which struggled with high-dimensional feature extraction. These findings suggest that using machine learning models and RGB and NIR imagery offers a scalable, non-invasive, and cost-effective way of sediment monitoring in support of water quality assessment and environmental management.