As the leaves change color and the air turns crisp, it’s the perfect time to bake something that captures the essence of autumn. This cream cheese-filled pumpkin bread is exactly what you need to celebrate the season. Imagine biting into a slice of moist, spiced pumpkin bread only to find a rich, creamy layer of sweetened cream cheese in the middle. It’s the ultimate fall treat, combining the warm flavors of pumpkin spice with the smooth tang of cream cheese. Whether you’re baking for a family gathering, a holiday brunch, or just to indulge yourself, this pumpkin bread will quickly become a favorite. Read on to discover how to make this delicious bread from scratch, with tips, variations, and serving suggestions to ensure your loaf turns out perfectly every time.

What Is Cream Cheese Filled Pumpkin Bread?
Cream cheese-filled pumpkin bread is a delightful twist on the classic pumpkin bread, featuring a layer of sweetened cream cheese baked right into the center of the loaf. The bread itself is moist and tender, flavored with a blend of warm spices like cinnamon, nutmeg, and cloves, and enhanced by the natural sweetness of pumpkin puree. The cream cheese filling adds a rich, tangy contrast to the spiced bread, creating a dessert-like treat that’s perfect for breakfast, brunch, or dessert.
Ingredients List for Cream Cheese Filled Pumpkin Bread
To create this delicious pumpkin bread with a creamy surprise inside, you'll need the following ingredients:
For the Pumpkin Bread:
- 1 ¾ cups all-purpose flour
- 1 teaspoon baking soda
- ½ teaspoon baking powder
- ½ teaspoon salt
- 1 teaspoon ground cinnamon
- ½ teaspoon ground nutmeg
- ¼ teaspoon ground cloves
- ¼ teaspoon ground ginger
- 1 cup granulated sugar
- ½ cup light brown sugar (packed)
- 1 cup pumpkin puree (canned or homemade, not pumpkin pie filling)
- ½ cup vegetable oil (or melted coconut oil)
- 2 large eggs (room temperature)
- 1 teaspoon vanilla extract
For the Cream Cheese Filling:
- 8 oz cream cheese (softened)
- ¼ cup granulated sugar
- 1 large egg (room temperature)
- 1 teaspoon vanilla extract
- 2 tablespoons all-purpose flour
Optional Toppings:
- Coarse sugar for sprinkling on top before baking
- Chopped nuts (like pecans or walnuts) for added crunch
Substitutions and Variations
This recipe is versatile, and you can easily make adjustments based on your preferences or dietary needs:
- Gluten-Free: Use a gluten-free all-purpose flour blend instead of regular flour.
- Dairy-Free: Replace the cream cheese with a dairy-free cream cheese alternative, and use a plant-based milk (such as almond or coconut milk) instead of the dairy-based version if the recipe calls for it.
- Sweeteners: You can substitute the granulated sugar with coconut sugar or use a combination of honey or maple syrup. Keep in mind that using liquid sweeteners may slightly alter the texture.
- Spices: Adjust the spices to your liking. For example, if you prefer more cinnamon, feel free to increase the amount, or add a pinch of cardamom for an extra warm flavor.
- Add-Ins: Stir in some chocolate chips, chopped nuts, or dried cranberries to the pumpkin bread batter for extra flavor and texture.
- Toppings: Before baking, sprinkle the top of the loaf with coarse sugar, streusel, or chopped nuts for added texture and sweetness.
Step-by-Step Cooking Instructions

Making cream cheese-filled pumpkin bread is straightforward, and the results are always impressive. Follow these step-by-step instructions to bake a perfect loaf.
Step 1: Prepare the Cream Cheese Filling
- Mix the Filling: In a medium bowl, beat the softened cream cheese, granulated sugar, egg, vanilla extract, and flour until smooth and creamy. Set aside.
Step 2: Prepare the Pumpkin Bread Batter
- Preheat the Oven: Preheat your oven to 350°F (175°C). Grease and flour a 9x5-inch loaf pan or line it with parchment paper.
- Mix Dry Ingredients: In a large bowl, whisk together the flour, baking soda, baking powder, salt, cinnamon, nutmeg, cloves, and ginger until well combined.
- Mix Wet Ingredients: In another bowl, whisk together the granulated sugar, brown sugar, pumpkin puree, oil, eggs, and vanilla extract until smooth and well combined.
- Combine Wet and Dry Ingredients: Gradually add the dry ingredients to the wet ingredients, stirring gently until just combined. Be careful not to overmix, as this can result in a dense bread.
Step 3: Assemble the Pumpkin Bread
- Layer the Batter: Pour half of the pumpkin bread batter into the prepared loaf pan and spread it evenly.
- Add the Cream Cheese Layer: Carefully spread the cream cheese mixture over the pumpkin batter, trying to keep it away from the edges as much as possible.
- Top with Remaining Batter: Gently pour the remaining pumpkin batter over the cream cheese layer, spreading it out to cover the cream cheese completely.
Step 4: Bake the Bread
- Bake: Place the loaf pan in the preheated oven and bake for 50-60 minutes, or until a toothpick inserted into the center (avoiding the cream cheese) comes out clean. If the top is browning too quickly, cover the loaf loosely with aluminum foil during the last 15 minutes of baking.
- Cool: Allow the bread to cool in the pan for 10-15 minutes before transferring it to a wire rack to cool completely.
How to Cook Cream Cheese Filled Pumpkin Bread: A Step-by-Step Guide
Here’s a quick guide to ensure your cream cheese-filled pumpkin bread turns out perfectly every time:
- Mixing the Batter: Be careful not to overmix the batter. Stir just until the dry ingredients are incorporated into the wet ingredients to keep the bread light and tender.
- Layering the Cream Cheese: When adding the cream cheese layer, spread it evenly but avoid letting it touch the edges of the pan. This helps prevent the filling from leaking out during baking.
- Baking: Keep an eye on the bread as it bakes. If the top starts to brown too quickly, cover it loosely with foil to prevent overbrowning while the center continues to bake.
- Cooling: Let the bread cool in the pan before transferring it to a wire rack. This allows the bread to set properly and makes it easier to slice.
Common Mistakes to Avoid
- Overmixing the Batter: Overmixing can lead to dense, tough bread. Stir just until the ingredients are combined.
- Undercooking: Make sure the bread is fully cooked before removing it from the oven. A toothpick inserted into the bread (not the cream cheese) should come out clean.
- Leaking Cream Cheese: To prevent the cream cheese from leaking out, make sure it doesn’t touch the edges of the pan when layering it between the pumpkin batter.
- Not Letting It Cool: Allow the bread to cool completely before slicing to avoid it falling apart or becoming too crumbly.
Serving and Presentation Tips
Cream cheese-filled pumpkin bread is a showstopper on its own, but here are some ways to elevate its presentation:
- Garnish with Toppings: Before serving, sprinkle the top of the loaf with powdered sugar or drizzle with a simple glaze made from powdered sugar and milk.
- Serve with Spread: Offer softened vegan butter or a flavored cream cheese spread on the side for those who want an extra indulgent slice.
- Pair with Coffee or Tea: This bread pairs perfectly with a hot cup of coffee or spiced tea, making it an ideal treat for breakfast or an afternoon snack.
How to Serve Cream Cheese Filled Pumpkin Bread
This pumpkin bread is versatile and can be served in various ways:
- Breakfast or Brunch: Serve slices of this bread as part of a fall-themed breakfast or brunch. It pairs wonderfully with scrambled tofu, fresh fruit, or yogurt.
- Dessert: For a dessert option, serve the bread slightly warmed with a dollop of whipped coconut cream or a scoop of vanilla ice cream.
- Snack: Enjoy a slice on its own as a cozy afternoon snack, perhaps with a hot drink.
Presentation Ideas for Cream Cheese Filled Pumpkin Bread
Make your cream cheese-filled pumpkin bread stand out with these presentation ideas:
- Serve on a Rustic Wooden Board: Place the loaf on a wooden cutting board and slice it in front of your guests for a rustic, homey feel.
- Add Fall Decorations: Garnish the serving platter with mini pumpkins, autumn leaves, or cinnamon sticks to create a festive look.
- Individual Plates: Serve slices on individual plates with a fork and knife, dusted with a light sprinkle of powdered sugar for a touch of elegance.
Cream Cheese Filled Pumpkin Bread Recipe Tips
- Room Temperature Ingredients: Ensure your eggs, cream cheese, and any other refrigerated ingredients are at room temperature before you start. This helps everything mix together smoothly.
- Make It Ahead: This bread can be made a day in advance and stored in the refrigerator. It tastes even better the next day as the flavors have time to meld.
- Freezing: This bread freezes well. Wrap the cooled loaf (or individual slices) in plastic wrap and store in a freezer bag. Thaw at room temperature before serving.
Frequently Asked Questions (FAQs)
Q: Can I freeze cream cheese-filled pumpkin bread? A: Yes, you can freeze this bread! Wrap the entire loaf or individual slices tightly in plastic wrap, then place them in a freezer-safe bag or container. The bread will keep in the freezer for up to 2 months. Thaw at room temperature before serving.
Q: How do I store leftover pumpkin bread? A: Store the bread in an airtight container at room temperature for up to 2 days. For longer storage, refrigerate it for up to a week. If refrigerated, let the bread come to room temperature before serving, or warm slices in the microwave for a few seconds.
Q: Can I use homemade pumpkin puree? A: Absolutely! If using homemade pumpkin puree, make sure it’s thick and well-drained. If your puree is watery, you can strain it through a cheesecloth or let it sit in a fine mesh sieve to remove excess liquid.
Q: Can I make this recipe into muffins? A: Yes, you can turn this recipe into muffins! Simply fill muffin cups halfway with the pumpkin batter, add a spoonful of cream cheese filling, and top with more pumpkin batter. Bake at 350°F (175°C) for 18-22 minutes or until a toothpick inserted into the muffin (avoiding the cream cheese) comes out clean.
Q: What if I don’t have all the spices? A: If you’re missing some spices, you can use 2 teaspoons of pumpkin pie spice instead of the individual spices. It’s a convenient substitute that still provides all the warm flavors you need.
Conclusion
This cream cheese-filled pumpkin bread is the perfect way to embrace the flavors of fall in a decadent, comforting treat. The moist, spiced pumpkin bread combined with the rich, creamy filling makes it a show-stopping addition to any breakfast, brunch, or dessert table. With easy-to-follow instructions, plenty of tips for customization, and versatile serving ideas, this recipe is sure to become a go-to favorite during pumpkin season. So, grab your ingredients, preheat your oven, and enjoy the warm, cozy aroma of homemade pumpkin bread filling your kitchen. Happy baking!
PrintCream Cheese Filled Pumpkin Bread Recipe
Bake this moist and flavorful Cream Cheese Filled Pumpkin Bread, combining warm pumpkin spice with a creamy, sweet cream cheese center. This perfect fall treat is topped with coarse sugar or chopped nuts for added texture and crunch.
- Prep Time: 15 minutes
- Cook Time: 60-70 minutes
- Total Time: 1 hour 20 minutes
- Yield: 1 loaf (about 10 slices) 1x
- Category: Dessert, Breakfast
- Method: Baking
- Cuisine: American
- Diet: Vegetarian
Ingredients
- Pumpkin Bread:
- 1 ¾ cups all-purpose flour
- 1 teaspoon baking soda
- ½ teaspoon baking powder
- ½ teaspoon salt
- 1 teaspoon ground cinnamon
- ½ teaspoon ground nutmeg
- ¼ teaspoon ground cloves
- ¼ teaspoon ground ginger
- 1 cup granulated sugar
- ½ cup light brown sugar (packed)
- 1 cup pumpkin puree (canned or homemade, not pumpkin pie filling)
- ½ cup vegetable oil (or melted coconut oil)
- 2 large eggs (room temperature)
- 1 teaspoon vanilla extract
- Cream Cheese Filling:
- 8 oz cream cheese (softened)
- ¼ cup granulated sugar
- 1 large egg (room temperature)
- 1 teaspoon vanilla extract
- 2 tablespoons all-purpose flour
- Optional Toppings:
- Coarse sugar for sprinkling on top before baking
- Chopped nuts (like pecans or walnuts) for added crunch
Instructions
- Preheat Oven: Preheat your oven to 350°F. Grease and flour a 9x5-inch loaf pan.
- Mix Dry Ingredients: In a large bowl, whisk together flour, baking soda, baking powder, salt, cinnamon, nutmeg, cloves, and ginger.
- Mix Wet Ingredients: In another bowl, combine granulated sugar, brown sugar, pumpkin puree, oil, eggs, and vanilla extract until smooth.
- Combine Wet and Dry: Gradually add the dry ingredients to the wet mixture, stirring until just combined. Be careful not to overmix.
- Prepare Cream Cheese Filling: In a medium bowl, beat together softened cream cheese, sugar, egg, vanilla extract, and flour until smooth.
- Assemble Bread: Pour half of the pumpkin bread batter into the prepared loaf pan. Spread the cream cheese mixture evenly over the batter. Top with the remaining pumpkin batter, spreading it gently to cover the cream cheese layer.
- Add Toppings: If desired, sprinkle coarse sugar or chopped nuts on top.
- Bake: Bake for 60-70 minutes, or until a toothpick inserted into the center comes out clean. Let the bread cool in the pan for 10 minutes, then transfer to a wire rack to cool completely.
Notes
- Ensure the cream cheese is softened for a smooth filling.
- Use room temperature eggs to help the batter mix evenly.
- This bread can be stored in the refrigerator for up to 5 days or frozen for up to 3 months.
Nutrition
- Serving Size: 1 slice
- Calories: 290
- Sugar: 25g
- Sodium: 250mg
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