Caramel Cream Cheese Bread

Featured in: Sweet & Fruity Mixes

This delightful quick bread features a moist and tender crumb, generously swirled with a rich, creamy cheese filling and sweet caramel. It's simple to prepare: combine dry ingredients, then mix with wet components. A separate filling of softened cream cheese, sugar, and egg is prepared. The process involves layering half the bread batter, spooning the cream cheese mixture, topping with remaining batter, and artfully drizzling and swirling caramel sauce on top before baking. Each slice offers a decadent, cheesecake-like experience, making it perfect for a special breakfast, brunch, or a satisfying dessert. It yields two loaves, ideal for sharing or freezing.

Updated on Sat, 31 Jan 2026 14:19:00 GMT
A slice of moist Caramel Cream Cheese Bread on a plate with visible caramel ribbon and creamy center. Save to Pinterest
A slice of moist Caramel Cream Cheese Bread on a plate with visible caramel ribbon and creamy center. | funcockts.com

The smell of caramel drifting from my oven always stops me in my tracks. I discovered this bread during a weekend when my sister was visiting, and we wanted something special for lazy morning coffee. One bite of that warm, swirled slice and we were both grinning like kids who found secret dessert for breakfast. Now it's the first thing people ask for when they come over.

I made six loaves one Christmas because I kept giving them away before they even cooled completely. My neighbor texted me at midnight asking if I had more, which is either a compliment or a warning about how addictive this bread actually is.

Ingredients

  • Light brown sugar: The molasses adds depth that white sugar just cant match, and it keeps the bread incredibly moist
  • All-purpose flour: Standard flour gives the right structure without making the bread too dense or heavy
  • Baking powder: This is your main leavening agent, so make sure its fresh for the best rise
  • Salt: Just enough to balance all that sweetness and make the caramel flavor pop
  • Eggs: Room temperature eggs incorporate better and help bind everything together
  • Whole milk: The extra fat content makes a noticeable difference in tenderness
  • Vegetable oil: Keeps the bread softer than butter and stays moist at room temperature
  • Cream cheese: Must be completely softened or you'll end up with lumps in your filling
  • White sugar: Sweetens the cream cheese layer without competing with the caramel
  • Caramel sauce: Warm it slightly for easier drizzling and better swirling

Instructions

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Preheat your oven:
Get it to 350°F and grease two loaf pans thoroughly, getting into all the corners
Mix the dry ingredients:
Whisk brown sugar, flour, baking powder, and salt in a medium bowl until well combined
Combine wet ingredients:
Beat eggs, milk, and oil in a large bowl until the mixture is uniform and slightly frothy
Make the batter:
Gradually stir dry ingredients into the wet mixture, stopping as soon as you no longer see dry flour
Layer the batter:
Spread half the batter between your two prepared pans, using the back of a spoon to even it out
Prepare the filling:
Beat softened cream cheese, sugar, and egg until completely smooth with no remaining lumps
Add the cheese layer:
Spoon the cream cheese mixture down the center of each pan, keeping it away from the edges
Top it off:
Gently spread remaining batter over the filling, being careful not to push the cheese around too much
Create the swirl:
Drizzle caramel in stripes over each loaf, then draw a knife through once or twice for a marbled look
Bake until golden:
Let them bake for 50 minutes until the tops are golden brown and set
Cool completely:
Wait 10 minutes in the pans, then finish cooling on a wire rack before slicing into them
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Toast bread, bagels, and sourdough evenly for breakfast, sandwiches, and quick meal prep.
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Warm loaf of Caramel Cream Cheese Bread fresh from the oven, ready for breakfast or dessert. Save to Pinterest
Warm loaf of Caramel Cream Cheese Bread fresh from the oven, ready for breakfast or dessert. | funcockts.com

This bread has become my go-to for new neighbors and sick friends. Something about that combination of warm comfort and sweet indulgence feels like giving someone a hug in food form.

Making It Ahead

The bread actually tastes better on day two when all the flavors have had time to mingle. Wrap cooled loaves tightly in plastic and they'll stay fresh on the counter for three days or freeze beautifully for up to three months.

Getting The Swirl Right

I've learned that slightly warmed caramel drizzles more evenly and creates those gorgeous ribbons we're after. Run your knife through the caramel just once or twice; too much swirling turns those distinct pockets into muddy caramel flavor throughout.

Serving Suggestions

This bread is stunning warmed slightly with a pat of butter melting into the caramel swirls. I also love serving it alongside vanilla ice cream for dessert or toasted for breakfast.

  • Try adding chopped pecans to the caramel topping for crunch
  • A drizzle of extra caramel over plated slices looks impressive
  • Store any leftovers in the refrigerator for the creamiest texture
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Golden baked Caramel Cream Cheese Bread loaf with a knife beside it, showing the rich swirls. Save to Pinterest
Golden baked Caramel Cream Cheese Bread loaf with a knife beside it, showing the rich swirls. | funcockts.com

There's nothing quite like cutting into that first warm slice and seeing the caramel ribbon against the creamy center. Pure comfort on a plate.

Recipe Questions & Answers

How can I ensure my bread is moist and tender?

To achieve a moist and tender texture, avoid overmixing the batter once the wet and dry ingredients are combined. Mix just until no dry streaks remain. Overmixing develops gluten too much, leading to a tougher crumb.

What are some tips for perfectly swirling the caramel?

After drizzling the caramel over the top layer of batter, use a knife to gently create swirls. Avoid overswirling, as this can cause the caramel to fully incorporate into the batter rather than creating distinct ribbons. Aim for just a few passes.

Can I use different types of milk or oil?

Yes, you can easily substitute. For the milk, whole or 2% milk is recommended for richness, but any dairy or non-dairy milk alternative (like almond or soy milk) will work. For oil, canola oil or melted butter can be used in place of vegetable oil.

How do I know when the loaves are fully baked?

The bread is done when a toothpick inserted into the center comes out mostly clean. Don't worry if it has a little cream cheese filling on it; that's fine. The internal temperature should be around 200-210°F (93-99°C) if you're using a thermometer.

Can this bread be made in different pan sizes?

Absolutely! For mini loaves, use 6 mini pans and reduce the baking time to about 40 minutes. If you prefer muffins, fill muffin cups and bake for approximately 12 minutes, adjusting as needed based on your oven.

How should I store the finished bread?

Once completely cooled, store the bread in an airtight container at room temperature for up to 3-4 days. For longer storage, you can freeze slices wrapped individually for up to 3 months. Thaw at room temperature or gently warm.

Caramel Cream Cheese Bread

Enjoy a moist, tender quick bread with rich cream cheese and sweet caramel swirls. Ideal for breakfast or a decadent dessert.

Prep Duration
10 minutes
Cook Duration
50 minutes
Overall Time
60 minutes
Authored by Funcockts Ethan Miller


Skill Level Easy

Cuisine American

Makes 20 Portions

Diet Facts Meat-Free

What You Need

Bread Batter

01 2 cups light brown sugar, packed
02 4 cups all-purpose flour
03 2 tablespoons baking powder
04 1 teaspoon salt
05 2 large eggs
06 2 cups whole milk or 2% milk
07 2/3 cup vegetable oil

Cream Cheese Filling

01 4 ounces cream cheese, softened
02 1/4 cup white granulated sugar
03 1 large egg

Topping

01 1/4 cup caramel sauce

Directions

Step 01

Preheat and Prepare: Preheat oven to 350°F. Grease two 1-pound loaf pans thoroughly with cooking spray or butter.

Step 02

Combine Dry Ingredients: Whisk together brown sugar, flour, baking powder, and salt in a medium bowl until well blended.

Step 03

Mix Wet Ingredients: Beat eggs, milk, and vegetable oil in a large bowl or stand mixer until fully combined.

Step 04

Form Batter: Gradually add dry ingredients to wet mixture, mixing until just combined. Avoid overmixing to prevent tough texture.

Step 05

Layer First Batter: Divide half the batter evenly between prepared loaf pans, spreading to create an even base layer.

Step 06

Prepare Filling: Beat softened cream cheese, granulated sugar, and egg in a separate bowl until smooth and creamy.

Step 07

Add Cream Cheese Layer: Spoon cream cheese mixture in a continuous line down the center of batter in each pan.

Step 08

Cover with Remaining Batter: Top with remaining batter, spreading gently to completely cover the cream cheese filling.

Step 09

Create Caramel Swirl: Drizzle caramel sauce in stripes over each loaf. Gently swirl knife through caramel and batter once or twice—avoid over-swirling.

Step 10

Bake: Bake for 50 minutes until toothpick inserted in center comes out mostly clean. Some cream cheese residue is acceptable.

Step 11

Cool and Serve: Cool in pans for 10 minutes, then remove to wire rack. Cool completely before slicing for clean cuts.

Tools Needed

  • Two 1-pound loaf pans
  • Mixing bowls (medium and large)
  • Electric mixer or stand mixer
  • Whisk
  • Rubber spatula
  • Knife for swirling
  • Wire cooling rack

Allergy Details

Review all components for allergens and reach out to a health expert if needed.
  • Contains wheat and gluten
  • Contains eggs
  • Contains milk and dairy
  • Store-bought caramel sauce may contain additional allergens—verify labels

Nutrition Details (each serving)

Nutrition details are just for reference and can't replace professional medical counsel.
  • Energy (Calories): 296
  • Fats: 10 g
  • Carbohydrates: 47 g
  • Proteins: 5 g