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Pumpkin Bread Variations – Classic, Chocolate Chip & Cream Cheese Swirl

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Pumpkin bread with chocolate chips, sliced and arranged neatly on a rustic linen.

Desserts & Drinks

🖋️ Written by Emma

There’s something magical about the smell of pumpkin bread baking in the oven—it’s the scent of fall wrapped in warmth and comfort. Whether you love it simple, studded with chocolate chips, or swirled with creamy cheesecake filling, these Pumpkin Bread Variations will have your home smelling amazing and your taste buds thanking you.

Each version is moist, full of cozy pumpkin spice flavor, and perfect for breakfast, snacks, or dessert. Plus, they freeze beautifully, so you can enjoy a slice of fall anytime.

Looking for more fall baking ideas? Try our Pumpkin Crisp or Chewy Pumpkin Snickerdoodle Cookies for more seasonal favorites.

Pumpkin bread loaf cut into slices, showing rich orange crumb and chocolate chips.
3b8ed2a6ef406abbab028aa25f3751c9 Pumpkin Bread Variations – Classic, Chocolate Chip & Cream Cheese SwirlEmma

Pumpkin Bread Variations

Three irresistible pumpkin bread variations — Classic, Chocolate Chip, and Cream Cheese Swirl — each moist, full of cozy pumpkin spice, and perfect for breakfast, snacks, or dessert.
Prep Time 15 minutes
Cook Time 1 hour
Total Time 1 hour 15 minutes
Servings: 12 slices
Course: Breakfast, Dessert, Snack
Cuisine: American
Calories: 260

Ingredients
  

  • 1 3/4 cups all-purpose flour
  • 1 tsp baking soda
  • 1/2 tsp baking powder
  • 1/2 tsp salt
  • 1 tsp cinnamon
  • 1 tsp pumpkin pie spice
  • 1/2 cup vegetable oil
  • 1 cup granulated sugar
  • 1/2 cup brown sugar, packed
  • 2 large eggs
  • 1 cup pumpkin puree
  • 1/4 cup milk
  • 1 tsp vanilla extract
  • 1 cup semi-sweet chocolate chips (optional for Chocolate Chip variation)
  • 8 oz cream cheese, softened (for Cream Cheese Swirl variation)
  • 1/4 cup granulated sugar (for Cream Cheese Swirl variation)
  • 1 large egg (for Cream Cheese Swirl variation)
  • 1/2 tsp vanilla extract (for Cream Cheese Swirl variation)

Equipment

  • 9×5-inch loaf pan
  • mixing bowls
  • whisk
  • measuring cups and spoons
  • toothpick
  • oven

Method
 

  1. Preheat oven to 350°F (175°C). Grease a 9×5-inch loaf pan.
  2. In a medium bowl, whisk flour, baking soda, baking powder, salt, cinnamon, and pumpkin pie spice.
  3. In a large bowl, whisk oil, granulated sugar, brown sugar, eggs, pumpkin puree, milk, and vanilla until well combined.
  4. Stir dry ingredients into wet ingredients until just combined.
  5. For Chocolate Chip variation: Fold in chocolate chips and sprinkle a few on top before baking.
  6. For Cream Cheese Swirl variation: In a small bowl, beat cream cheese, sugar, egg, and vanilla until smooth. Pour half the pumpkin batter into pan, spread cream cheese mixture on top, then add remaining batter. Swirl with a knife.
  7. Bake for 50–60 minutes, or until a toothpick inserted in the center comes out clean. For cream cheese swirl, add 5 minutes if needed.

Notes

Don’t overmix the batter to keep it tender. For taller loaves, use an 8×4-inch pan instead of a 9×5. All versions freeze well for up to 2 months. Store cooled loaves in an airtight container for up to 4 days.

Classic Pumpkin Bread

Ingredients:

  • 1 3/4 cups all-purpose flour
  • 1 tsp baking soda
  • 1/2 tsp baking powder
  • 1/2 tsp salt
  • 1 tsp cinnamon
  • 1 tsp pumpkin pie spice
  • 1/2 cup vegetable oil
  • 1 cup granulated sugar
  • 1/2 cup brown sugar, packed
  • 2 large eggs
  • 1 cup pumpkin puree
  • 1/4 cup milk
  • 1 tsp vanilla extract

Steps:

  1. Preheat oven to 350°F (175°C). Grease a 9×5-inch loaf pan.
  2. In a medium bowl, whisk flour, baking soda, baking powder, salt, cinnamon, and pumpkin pie spice.
  3. In a large bowl, whisk oil, sugars, eggs, pumpkin puree, milk, and vanilla.
  4. Stir in dry ingredients until just combined.
  5. Pour into loaf pan and bake for 50–60 minutes, or until a toothpick comes out clean.
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Close-up of sliced pumpkin bread with melted chocolate chips on a serving plate.

Chocolate Chip Pumpkin Bread

Follow the Classic Pumpkin Bread recipe, but fold in 1 cup semi-sweet chocolate chips before baking. For extra sweetness, sprinkle a few on top of the batter before it goes into the oven.

Cream Cheese Swirl Pumpkin Bread

Additional Ingredients for Swirl:

  • 8 oz cream cheese, softened
  • 1/4 cup granulated sugar
  • 1 egg
  • 1/2 tsp vanilla extract

Steps:

  1. Prepare the pumpkin bread batter as in the classic recipe.
  2. In a small bowl, beat cream cheese, sugar, egg, and vanilla until smooth.
  3. Pour half the pumpkin batter into the loaf pan.
  4. Spread cream cheese mixture on top, then add remaining pumpkin batter.
  5. Swirl gently with a knife. Bake as directed, adding 5 extra minutes if needed.

Why These Pumpkin Bread Variations Are Perfect

  • One base recipe = endless possibilities.
  • Moist, flavorful, and freezer-friendly.
  • Great for gifting or holiday brunches.

Tips for the Best Pumpkin Bread

  • Don’t overmix the batter—keep it tender.
  • For taller loaves, use an 8×4-inch pan instead of 9×5.
  • Store in an airtight container for up to 4 days or freeze for up to 2 months.

Serving Suggestions

FAQs – Pumpkin Bread Variations

Sliced pumpkin bread loaf with chocolate chips, displayed on a white plate.

What can I add to my pumpkin bread?

Mix-ins like chocolate chips, nuts, dried cranberries, or a cream cheese swirl can enhance flavor and texture.

How to level up pumpkin bread?

Use browned butter, extra spices, or a streusel topping to elevate the flavor.

What flavors pair well with pumpkin?

Cinnamon, nutmeg, cloves, ginger, maple, vanilla, chocolate, cream cheese, and pecans pair beautifully with pumpkin.

Is butter or oil better in pumpkin bread?

Oil tends to make pumpkin bread more moist, while butter adds richer flavor. Many recipes use a mix of both.

Why does my pumpkin bread have no flavor?

It may need more spices, salt, or a stronger sweetener. Using fresh spices and real pumpkin puree boosts taste.

How to make a loaf moist?

Use oil instead of only butter, don’t overbake, and add ingredients like yogurt, applesauce, or extra pumpkin puree.

How to doctor up a pumpkin bread mix?

Add extra cinnamon or pumpkin pie spice, a splash of vanilla, nuts, or a cream cheese swirl.

How to make your bread rise higher?

Ensure fresh leavening agents, avoid overmixing, and bake in a properly preheated oven.

How to increase pumpkin flavor?

Use concentrated pumpkin puree, roast the pumpkin before pureeing, and add complementary spices like cinnamon and ginger.

What spices compliment pumpkin?

Cinnamon, ginger, nutmeg, cloves, allspice, and cardamom enhance pumpkin’s flavor.

What to eat with pumpkin bread?

Serve with cream cheese spread, butter, honey, apple butter, or alongside coffee or tea.

What cheese goes best with pumpkin?

Cream cheese, goat cheese, ricotta, and parmesan complement pumpkin in both sweet and savory dishes.

How to flavor a loaf of bread?

Add herbs, spices, seeds, cheese, or flavored oils to the dough for extra taste.

What is lightbread?

A term often used in the American South for soft, yeasted white bread.

What ingredient keeps bread from being dry?

Fats (oil, butter), eggs, and liquids like milk help keep bread soft and moist.

Conclusion

These Pumpkin Bread Variations—Classic, Chocolate Chip, and Cream Cheese Swirl—offer something for everyone. They’re moist, flavorful, and perfect for cozy fall baking.

Follow @whattomaketoday on Pinterest for more seasonal dessert ideas and fall baking inspiration.

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