A close-up of a slice of moist pumpkin cream cheese bread, showing the rich orange crumb and creamy white filling.

Moist pumpkin cream cheese bread: 1 hug

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Written by Caroline Hayes

September 6, 2025

Oh, you know how much I just *adore* fall baking. There’s just something about the crisp air and cozy sweaters that makes me want to whip up something warm and comforting, right? Well, let me tell you, this pumpkin cream cheese bread is exactly that – it’s like a warm hug in loaf form! I remember making this for the first time a few years back when the leaves were just starting to turn, and my whole kitchen smelled like autumn heaven. The best part? That super moist, tender pumpkin loaf with the absolutely dreamy, rich cream cheese swirl baked right in. It’s seriously perfection.

Why You’ll Love This Pumpkin Cream Cheese Bread

It’s unbelievably moist and tender, just like the kind you’d find at a fancy bakery! That dreamy cream cheese swirl? It’s pure heaven with every single bite. Seriously easy to whip up – even if you’re not a pro baker! It’s the perfect centerpiece for your Thanksgiving breakfast or fall brunch. And trust me, it tastes even better the next day (if it even lasts that long!). Plus, the aroma while it bakes is just… chef’s kiss!

Ingredients for Perfect Pumpkin Cream Cheese Bread

Okay, so getting this pumpkin cream cheese bread just right is all about having the right stuff. Don’t reach for that pumpkin pie *filling* though, make sure you grab pure pumpkin puree. It makes all the difference!

Here’s what you’ll need for the pumpkin goodness:

  • 1 ½ cups all-purpose flour
  • 1 teaspoon baking soda
  • ½ teaspoon salt
  • 1 teaspoon ground cinnamon
  • ½ teaspoon ground nutmeg
  • ¼ teaspoon ground cloves
  • ¼ teaspoon ground ginger
  • 1 ½ cups granulated sugar
  • 2 large eggs (make sure they’re at room temperature, it really helps!)
  • 1 cup pumpkin puree
  • ½ cup vegetable oil (keeps it super moist!)
  • ¼ cup buttermilk (same here, for that perfect tender crumb!)
  • 1 teaspoon vanilla extract

For the Cream Cheese Swirl

And for that amazing marbly swirl:

  • 8 ounces cream cheese, softened (this is key, don’t try it cold!)
  • ¼ cup granulated sugar
  • 1 large egg
  • 1 teaspoon vanilla extract

Essential Equipment for Making Pumpkin Cream Cheese Bread

Alright, to make this amazing pumpkin cream cheese bread, you’ll want a few trusty tools. First up, a good old 9×5 inch loaf pan is your best friend here – it gives that classic shape. You’ll also need a couple of mixing bowls, maybe a big one for the pumpkin batter and a smaller one for that glorious cream cheese swirl. A whisk is super handy for getting things smooth, and a rubber spatula or wooden spoon is perfect for mixing and folding. Don’t forget a reliable oven, and maybe a skewer or even a thin knife for checking if it’s baked all the way through!

How to Make Pumpkin Cream Cheese Swirl Bread: Step-by-Step

Alright, let’s get baking this glorious pumpkin cream cheese bread! It’s really not as tricky as it might sound. Just follow along, and you’ll have a loaf that looks as good as it tastes. We’re talking about that cozy, spiced pumpkin batter hugging a creamy, tangy cream cheese ribbon. Think of it like a delicious fall hug! Get your oven preheated to 350°F (175°C) and make sure that 9×5 inch loaf pan is greased up and floured – this helps prevent any sticking drama later! It’s pretty much foolproof if you follow these steps.

First, grab one of your big bowls and whisk together all those dry ingredients: the flour, baking soda, salt, and all those wonderful fall spices (cinnamon, nutmeg, cloves, and ginger). Give ’em a good whisk so everything is nice and evenly mixed. In another bowl, we’ll combine the wet guys for the pumpkin batter: sugar, eggs, that lovely homemade pumpkin puree (make sure it’s NOT pie filling!), vegetable oil (my secret for extra moisture!), buttermilk, and vanilla. Whisk them until they’re best buds, nice and smooth.

Now, pour those wet ingredients into the dry and mix them up until they *just* come together. Seriously, don’t go crazy here! Overmixing is the enemy of a tender loaf, so stop as soon as you don’t see any more dry flour streaks. That’s what makes it amazing! In a separate, smaller bowl, beat your softened cream cheese with the extra sugar, that single egg, and the vanilla until it’s smooth and dreamy. That’s your beautiful cream cheese filling, ready to go!

Here comes the fun part, the swirl! Pour about half of your pumpkin batter into the prepared loaf pan. Then, dollop about half of that cream cheese mixture right on top. Grab a knife or a skewer and gently swirl it into the pumpkin batter. Don’t go crazy with the swirling; you want distinct ribbons, not a brown-ish blob! Then, pour the rest of your pumpkin batter over that, and dollop the remaining cream cheese mix on top. Swirl it again, just like before. This is where you create that beautiful marbling. Pop that pan into your preheated oven. For more tips on this amazing bread, check out this similar pumpkin bread with cream cheese swirl recipe.

Achieving the Perfect Cream Cheese Swirl

To get that gorgeous marbled effect and keep it from sinking, make sure your cream cheese mixture isn’t too thin. It should be thick and smooth, almost like frosting. When you’re swirling, be gentle! Use a knife or a skewer to drag the cream cheese through the pumpkin batter just a couple of times. Over-swirling can mix it all together, and we want those beautiful distinct layers so the cream cheese doesn’t sink!

Baking Time and Temperature for Pumpkin Bread

Bake your beautiful loaf at 350°F (175°C) for about 55 to 65 minutes. To check if it’s done, stick a wooden skewer or a thin knife right into the center. If it comes out clean, or with just a few moist crumbs attached (no wet batter!), it’s ready! For peace of mind, you can even use a thermometer – the internal temperature should be around 200°F (93°C).

Cooling and Slicing Your Pumpkin Cream Cheese Bread

This part is super important for getting that perfect texture and preventing a gummy center! Let the bread cool in the pan for about 10-15 minutes first. This gives it a moment to settle and firm up a little. Then, very carefully, invert it onto a wire rack to cool *completely*. Seriously, let it cool all the way down before you even *think* about slicing it. If you slice it too soon, it’ll be gooey and impossible to cut nicely. Once it’s totally cool, use a sharp knife for those clean, pretty slices that show off that gorgeous swirl!

Tips for the Best Pumpkin Cream Cheese Bread

Okay, so you want that bakery-perfect pumpkin cream cheese bread, right? It’s all about a few little secrets I’ve picked up! First off, make sure your cream cheese is truly softened – not melted, but definitely soft enough to whip easily. This is key for that lovely swirl that doesn’t sink. Also, remember not to overmix the pumpkin batter once you add the wet ingredients to the dry. Just mix until it’s combined; overmixing makes the bread tough, and we want tender!

Ingredient Notes and Substitutions for Pumpkin Bread

Let’s break down some of those ingredients in our pumpkin cream cheese bread to make sure you get the absolute best results. Using **pure pumpkin puree** is a must – it’s just mashed pumpkin! Avoid the canned pumpkin pie *filling* that already has sugar and spices added; it’ll throw off the flavor and texture. You might also be wondering about oil versus butter. I swear by vegetable oil here because it makes the bread unbelievably moist and keeps it that way for days, which is just fantastic! If you really want to use butter, make sure it’s softened and creamed well with the sugar, but know it might not be quite as moist.

And that buttermilk? Oh, it does wonderful things for tenderizing the pumpkin batter, giving it a lovely, subtle tang and keeping everything moist. If you don’t have buttermilk, no worries! Just place a tablespoon of white vinegar or lemon juice in a measuring cup, fill it with milk to the 1/4 cup line, and let it sit for about 5-10 minutes. It’s a little magic trick that works wonders, just like in my amazing apple cider donuts!

Can You Freeze Pumpkin Cream Cheese Bread?

Oh, absolutely! This pumpkin cream cheese bread freezes like a dream, which is great if you want to get ahead or just save some for later. You’ll want to wrap it up super tight. First, let it cool completely – this is important to avoid any sogginess. Then, wrap the entire loaf in plastic wrap, making sure it’s sealed well. After that, I like to give it an extra layer in aluminum foil or pop it into a freezer-safe bag. It’ll stay delicious for up to 3 months! When you’re ready to enjoy it, just take it out of the freezer and let it thaw on the counter for a few hours – it’s almost as good as fresh!

Frequently Asked Questions About Pumpkin Cream Cheese Bread

Got questions about this delicious pumpkin cream cheese bread? I’ve got answers!

Why is my pumpkin bread gummy?

Usually, a gummy texture means the bread was sliced before it was totally cool. Patience is key here! Letting it cool completely on a wire rack, usually for a couple of hours, allows the moisture to redistribute properly. Sometimes it can also happen if it’s slightly underbaked, so always do that skewer test!

How do I get a good swirl and keep the cream cheese from sinking?

To get that beautiful swirl and prevent the cream cheese from sinking to the bottom, make sure your cream cheese mixture is nice and thick, almost like a soft frosting. When you dollop it onto the pumpkin batter, it should hold its shape a bit. Then, just gently swirl it with a knife or skewer – don’t overdo it! You want distinct ribbons, not one big blended mess.

Can I make this without buttermilk?

You sure can! If you don’t have buttermilk on hand, just pop a tablespoon of white vinegar or lemon juice into a measuring cup, then fill it up to the 1/4 cup line with regular milk. Give it a little stir and let it sit for about 5-10 minutes. It’ll curdle slightly and acts just like buttermilk, keeping your pumpkin bread super moist and tender!

Can I add nuts or chocolate chips to this bread?

Oh, absolutely! This pumpkin cream cheese bread is pretty forgiving. You can totally fold in about a cup of chopped pecans or walnuts into the pumpkin batter along with the dry ingredients. Chocolate chips are another fantastic addition! Just make sure they’re coated lightly in flour before adding them to prevent them from sinking. If you’re looking for more breakfast or dessert ideas, you’ve come to the right place!

Serving Suggestions for Your Cozy Fall Loaf

This pumpkin cream cheese bread is just begging to be enjoyed with a warm mug of coffee or a nice hot cup of tea. It’s perfect for a special Thanksgiving breakfast alongside some fluffy scrambled eggs, or even as a delightful dessert after dinner. It pairs wonderfully with other cozy fall treats like caramel apple nachos or some homemade apple cider donuts!

Estimated Nutritional Information

Now, I always like to give you a heads-up on the nutritional stuff, but remember these numbers are just estimates, okay? They can totally change depending on the exact ingredients you use and, of course, how big you slice your loaf! This delicious pumpkin cream cheese bread is estimated to have about 350 calories, 18g of fat, 45g of carbohydrates, and 4g of protein per slice. Enjoy every cozy bite!

Share Your Pumpkin Cream Cheese Bread Creations!

I just LOVE seeing what you all create in your kitchens! Did you make this amazing pumpkin cream cheese bread? Snap a picture and tag me on social media so I can see your beautiful loaves! Or, drop a comment below and let me know how it turned out for you. If you loved it, a star rating helps others find this recipe too! You can also reach out through my contact page if you have any questions! And don’t forget to share your pics on Facebook – you can find me at Recipes To Keep!

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Pumpkin Cream Cheese Swirl Bread

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A moist, bakery-style pumpkin loaf with a creamy cream cheese swirl, perfect for fall.

  • Author: Caroline Hayes
  • Prep Time: 20 min
  • Cook Time: 60 min
  • Total Time: 80 min
  • Yield: 1 loaf (about 10-12 slices) 1x
  • Category: Dessert
  • Method: Baking
  • Cuisine: American
  • Diet: Vegetarian

Ingredients

Scale
  • 1 ½ cups all-purpose flour
  • 1 teaspoon baking soda
  • ½ teaspoon salt
  • 1 teaspoon ground cinnamon
  • ½ teaspoon ground nutmeg
  • ¼ teaspoon ground cloves
  • ¼ teaspoon ground ginger
  • 1 ½ cups granulated sugar
  • 2 large eggs
  • 1 cup pumpkin puree
  • ½ cup vegetable oil
  • ¼ cup buttermilk
  • 1 teaspoon vanilla extract
  • 8 ounces cream cheese, softened
  • ¼ cup granulated sugar
  • 1 large egg
  • 1 teaspoon vanilla extract

Instructions

  1. Preheat your oven to 350°F (175°C). Grease and flour a 9×5 inch loaf pan.
  2. In a large bowl, whisk together the flour, baking soda, salt, cinnamon, nutmeg, cloves, and ginger.
  3. In a separate bowl, whisk together the granulated sugar, eggs, pumpkin puree, vegetable oil, buttermilk, and vanilla extract until well combined.
  4. Pour the wet ingredients into the dry ingredients and mix until just combined. Do not overmix.
  5. In a medium bowl, beat the softened cream cheese with ¼ cup granulated sugar, 1 egg, and 1 teaspoon vanilla extract until smooth.
  6. Pour half of the pumpkin batter into the prepared loaf pan.
  7. Dollop half of the cream cheese mixture over the pumpkin batter.
  8. Gently swirl the cream cheese into the pumpkin batter using a knife or skewer.
  9. Pour the remaining pumpkin batter over the cream cheese layer.
  10. Dollop the remaining cream cheese mixture on top and swirl again.
  11. Bake for 55-65 minutes, or until a wooden skewer inserted into the center comes out clean. The internal temperature should reach 200°F (93°C).
  12. Let the bread cool in the pan for 10-15 minutes before inverting it onto a wire rack to cool completely.

Notes

  • For a beautiful swirl, ensure your cream cheese mixture is thick enough not to sink completely.
  • Cooling completely before slicing is key to preventing a gummy texture.
  • This bread freezes well. Wrap tightly in plastic wrap and then foil for up to 3 months.

Nutrition

  • Serving Size: 1 slice
  • Calories: 350
  • Sugar: 30g
  • Sodium: 200mg
  • Fat: 18g
  • Saturated Fat: 5g
  • Unsaturated Fat: 13g
  • Trans Fat: 0g
  • Carbohydrates: 45g
  • Fiber: 2g
  • Protein: 4g
  • Cholesterol: 60mg

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Caroline Hayes is the heart and soul behind Recipes To Keep. Inspired by her grandmother's overflowing recipe box from rural Ohio, Caroline has dedicated herself to preserving timeless American classics. She is a passionate home cook and recipe archivist who specializes in testing and perfecting cherished dishes for the modern kitchen. Her goal is to ensure every recipe is a "keeper"—reliable, delicious, and ready to become a part of your family's story.

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