If I can see more then a couple feet in water I call it clear. If I bring a bait in and can't see it more then a couple inches through water it's muddy. Now that said I live in central Ohio and the water in sorounding lakes will change a lot because most of them are flood control and maybe the fish are just used to that but somehow they will still find that little 1/64 th oz. jig in muddy water if they are shallow.