Music plays a central role in emotion regulation, yet little is known about how this process unfolds in individuals with depression inclination (DI). This study explores the emotional music preferences and psychological mechanisms in DI individuals and healthy controls (HC). A total of 112 DI individuals and 133 HC participants, comparable in age, gender, handedness, education, and music training, rated their preferences for happy, sad, and neutral music in both subjective and objective contexts and provided explanations for their preferences. We compared emotional music preferences between groups and analyzed the reasons using psycholinguistic and semantic network analyses. Results showed that DI individuals preferred sad music more and happy music less than HC. DI participants used more emotion-related language, especially negative affective terms, and disliked happy music due to misalignment with their aesthetic preferences, while sad music resonated with their mood. HC favored happy music for its mood-enhancing effects and demonstrated more flexibility in music choices, often influenced by situational factors. Despite differences, both groups shared motivations, such as enhancing positive emotions and avoiding discomfort. These findings highlight distinct emotional processing in DI and HC, supporting mood-congruence and emotion-regulation theories, and offer insights into identifying depressive tendencies through music preferences.