If you adore the cozy flavors of autumn and crave a bread that’s bursting with moist pumpkin goodness plus a luscious, creamy surprise in every bite, you’re going to fall head over heels for this Cream Cheese-Filled Pumpkin Bread Recipe. It effortlessly blends the warm spices of pumpkin bread with a smooth cream cheese center that feels like a hug from the inside out. This is the kind of treat that’s perfect for breakfast, snack time, or even the centerpiece of your festive dessert spread. Trust me, once you try this recipe, it’ll become your seasonal favorite too!

Ingredients You’ll Need
What’s amazing about this Cream Cheese-Filled Pumpkin Bread Recipe is how perfectly simple yet impactful the ingredient list is. Each item plays a crucial role in building that tender texture, rich flavor, and eye-catching swirl that you can’t wait to dig into.
- 1 cup canned pumpkin puree: Adds moisture, vibrant color, and that unmistakable pumpkin flavor.
- 2 large eggs: Helps bind the ingredients and lends structure to your bread.
- 1/2 cup vegetable oil: Keeps the bread incredibly moist without weighing it down.
- 1 teaspoon vanilla extract: Brings out warmth and depth in the flavor profile.
- 1 1/2 cups granulated sugar: Sweetens the bread just right, balancing the spices.
- 1 3/4 cups all-purpose flour: The backbone of the bread’s tender crumb.
- 1 teaspoon baking soda: Provides lift and ensures a light texture.
- 1/2 teaspoon baking powder: Works together with the baking soda to give gentle rise.
- 1/2 teaspoon salt: Enhances all the flavors without stealing the spotlight.
- 1 teaspoon ground cinnamon: Infuses that quintessential fall warmth.
- 1/2 teaspoon ground nutmeg: Adds a subtle spicy sweetness.
- 1/2 teaspoon ground ginger: Offers a gentle zing to brighten the mix.
- 8 oz cream cheese, softened: Creates the rich, creamy filling everyone loves.
- 1 large egg: Binds and enriches the cream cheese filling.
- 1/3 cup granulated sugar: Sweetens the cream cheese filling perfectly.
- 1 tablespoon all-purpose flour: Helps stabilize the cream cheese mixture while baking.
How to Make Cream Cheese-Filled Pumpkin Bread Recipe
Step 1: Prepare Your Baking Pan and Oven
Start by preheating your oven to 350°F (175°C). While it’s warming up, grease a 9×5-inch loaf pan thoroughly. This ensures your beautiful bread will release easily after baking, preserving its creamy filling and soft crust perfectly.
Step 2: Mix the Pumpkin Batter
In a large bowl, whisk together the pumpkin puree, eggs, vegetable oil, vanilla extract, and sugar until the mixture is smooth and well blended. This wet mix sets the stage for your bread’s moist and tender crumb, carrying all that cozy flavor in every bite.
Step 3: Combine Your Dry Ingredients
In a separate bowl, whisk the all-purpose flour, baking soda, baking powder, salt, cinnamon, nutmeg, and ginger. This spice combo brings out the warm, inviting aroma that makes pumpkin bread an autumn must-have.
Step 4: Bring It All Together
Gradually add the dry mixture to the pumpkin batter, folding gently and mixing just until combined. Being careful not to overmix keeps your bread light and fluffy rather than dense—such an important step for ultimate texture!
Step 5: Prepare the Cream Cheese Filling
Beat the softened cream cheese until smooth, then add the egg, sugar, and flour. Continue beating everything together until the mixture is creamy and lump-free. This luscious filling will be the star surprise inside your pumpkin bread.
Step 6: Layer the Batter
Pour half of the pumpkin batter into your prepared loaf pan, spreading it in an even layer. Then, spoon the cream cheese filling on top and carefully spread it to cover the pumpkin layer evenly—all without disturbing it. Finally, pour the remaining pumpkin batter over the cream cheese and smooth it over gently.
Step 7: Bake to Perfection
Pop the loaf pan into your preheated oven and bake for 50 to 60 minutes. You’ll know it’s done when a toothpick inserted through the bread (not the cream cheese) comes out clean. The aroma alone will tell you something amazing is happening!
Step 8: Cooling Time
Let the bread cool in the pan for 10 minutes, then transfer it to a wire rack to cool completely. Cooling is essential so the cream cheese filling sets just right, making those slices perfect for serving.
How to Serve Cream Cheese-Filled Pumpkin Bread Recipe

Garnishes
A simple dusting of powdered sugar or a drizzle of warm maple glaze elevates the look and taste effortlessly. For a cozy touch, sprinkle chopped toasted pecans or walnuts on top or alongside your slices to add texture and nutty richness.
Side Dishes
This Cream Cheese-Filled Pumpkin Bread Recipe pairs wonderfully with a steaming cup of chai or coffee. If you’re feeling indulgent, serve it with a scoop of vanilla ice cream or a dollop of whipped cream for an autumnal dessert that truly shines.
Creative Ways to Present
Turn this bread into a festive gift by slicing it, wrapping in parchment, and tying with twine for a thoughtful homemade treat. Or serve slices with flavored butter, like cinnamon honey butter or brown sugar butter, to create a breakfast spread that’ll wow your guests any time of day.
Make Ahead and Storage
Storing Leftovers
Keep leftover bread wrapped tightly in plastic wrap or stored in an airtight container at room temperature for up to three days. This helps preserve moisture and flavor without the bread drying out.
Freezing
If you want to enjoy this bread later, slice it first, then freeze in a single layer on a tray before transferring to a freezer bag. This way, you can pull out individual slices as needed, keeping that cream cheese filling intact and delicious.
Reheating
Warm slices gently in the microwave for 15-20 seconds or toast lightly to bring back that freshly baked feeling. The cream cheese filling stays irresistibly creamy and melts softly with just a quick reheat.
FAQs
Can I use fresh pumpkin instead of canned for this Cream Cheese-Filled Pumpkin Bread Recipe?
Yes! Just be sure to cook and puree the fresh pumpkin first to get the smooth consistency needed. Canned pumpkin is often more convenient, but fresh can add a lovely homemade touch.
Is it possible to substitute the cream cheese filling?
Definitely! You can try ricotta cheese or mascarpone for a different but delicious creamy swirl. Just adjust the sweetness to taste, as these cheeses can be milder than cream cheese.
How do I know when the bread is done baking?
Insert a toothpick into the pumpkin layer of the bread (avoiding the cream cheese swirl) and if it comes out clean or with just a few crumbs attached, the bread is ready to come out of the oven.
Can this bread be made gluten-free?
Absolutely. Just swap the all-purpose flour in both the bread and filling for a gluten-free flour blend. The texture might be slightly different but equally delicious.
How should I slice this bread to show off the cream cheese layer?
Cut the bread into slightly thick slices, about 3/4 inch, to get a perfect cross-section revealing the creamy filling—beautiful and mouthwatering every time.
Final Thoughts
This Cream Cheese-Filled Pumpkin Bread Recipe is truly a celebration of fall in loaf form, combining warm spices, moist pumpkin, and a rich, creamy center that feels like a secret delight in every slice. Whether you bake it as a cozy weekend treat or a special holiday dessert, I promise it will earn a permanent place in your recipe collection. So, grab your ingredients and let’s get baking—your taste buds are in for a real treat!
