Small lakes play an essential role in maintaining regional ecosystem stability and water quality. However, turbidity in these lakes is increasingly influenced by anthropogenic activities, which presents a challenge for traditional monitoring methods. This study explores the feasibility of using consumer-grade UAVs equipped with RGB cameras to monitor water turbidity in small lakes within the Taihu Lake Basin of eastern China. By collecting RGB imagery and in situ turbidity measurements, we developed and validated models for turbidity prediction. RGB band indices were used in combination with three machine learning models, namely Interpretable Feature Transformation Regression (IFTR), Random Forest (RF), and Extreme Gradient Boosting (XGBoost). Results showed that models utilizing combinations of the R, G, B, and ln(R) bands achieved the highest accuracy, with the IFTR model demonstrating the best performance (R² = 0.816, RMSE = 3.617, MAE = 2.997). The study confirms that consumer-grade UAVs can be an effective, low-cost tool for high-resolution turbidity monitoring in small lakes, providing valuable insights for sustainable water quality management. Future research should investigate advanced algorithms and additional spectral features to further enhance prediction accuracy and adaptability.