Pumpkin Chocolate Chip Loaf

Featured in: Comfort Baking

This moist loaf combines warm pumpkin purée with a blend of cinnamon, nutmeg, and cloves for an aromatic, golden base. Studded with melty chocolate chips, it's easy to prepare and delivers comforting flavor in every slice. Whether enjoyed with coffee in the morning or as an afternoon treat, the soft crumb and gentle sweetness create a cozy, satisfying bite perfect for autumn days. Simple mixing, one loaf pan, and a blend of pantry staples make this bake approachable for any home cook.

Updated on Mon, 29 Sep 2025 16:57:40 GMT
A warm slice of Pumpkin Chocolate Chip Loaf, perfect for a comforting dessert. Save
A warm slice of Pumpkin Chocolate Chip Loaf, perfect for a comforting dessert. | butterhearth.com

This pumpkin chocolate chip loaf transforms ordinary autumn days into cozy celebrations. The marriage of warm spices and rich chocolate creates a moist, tender bread that fills your kitchen with the essence of fall comfort.

I first baked this loaf during a rainy October afternoon when my children were restless. The aroma drew them to the kitchen, and now they mark the beginning of pumpkin season by requesting this bread before the leaves even start to change.

Ingredients

  • All purpose flour: creates the perfect structure without being too dense or heavy
  • Baking soda and powder: work together for the ideal rise and texture
  • Salt: enhances all flavors and balances the sweetness
  • Ground cinnamon nutmeg and cloves: create that signature fall spice profile
  • Canned pumpkin purée: provides moisture and earthy sweetness look for 100% pure pumpkin not pie filling
  • Large eggs: bind everything together while adding richness
  • Vegetable oil: keeps the loaf moist for days choose a neutral flavor
  • Milk: adds tenderness to the crumb whole milk works best
  • Granulated sugar: provides sweetness and helps with browning
  • Brown sugar: adds depth with its molasses notes use dark for more flavor
  • Vanilla extract: rounds out all the flavors use pure not imitation
  • Semisweet chocolate chips: create pockets of melty goodness throughout the loaf

Instructions

Prepare Your Equipment:
Heat your oven to 350°F and prepare your loaf pan. Take time to properly line it with parchment paper with overhanging edges this creates handles for easy removal later. A light spray of cooking oil ensures nothing sticks.
Mix The Dry Ingredients:
Thoroughly whisk together the flour baking soda baking powder salt and spices. This even distribution prevents bitter pockets of leavening agents and ensures the spices permeate every bite. Whisking also aerates the flour slightly.
Combine Wet Ingredients:
In a separate bowl whisk the pumpkin purée eggs oil milk sugars and vanilla until completely smooth. The mixture should have a uniform color with no streaks. This thorough mixing incorporates air and helps create a lighter texture.
Create The Batter:
Pour the dry ingredients into the wet mixture not the reverse. Fold gently with a spatula using broad strokes from the bottom up. Stop mixing the moment the flour disappears a few small lumps are preferable to overmixing which develops gluten and creates a tough loaf.
Add Chocolate Chips:
Reserve about two tablespoons of chips for the top then fold the remainder into the batter with just a few strokes. This prevents the chips from sinking to the bottom during baking.
Bake To Perfection:
Pour the batter into your prepared pan smooth the top and sprinkle with reserved chocolate chips. Bake in the center rack where heat distribution is most even. Start checking at 50 minutes the edges should be pulling away slightly and the top should spring back when gently pressed.
Cool Properly:
Allow the loaf to rest in the pan for exactly 10 minutes this sets the structure while preventing it from becoming soggy from condensation. Then transfer to a wire rack to cool completely before slicing to prevent crumbling.
Golden-brown Pumpkin Chocolate Chip Loaf with dark chocolate chips, straight from the oven. Save
Golden-brown Pumpkin Chocolate Chip Loaf with dark chocolate chips, straight from the oven. | butterhearth.com

The cinnamon in this recipe is truly the unsung hero. I discovered years ago that doubling the cinnamon from my grandmother's original recipe transformed this bread from good to exceptional. There's something magical about how it enhances both the pumpkin and chocolate flavors simultaneously, creating a harmony that feels like autumn in each bite.

Storage Solutions

This pumpkin chocolate chip loaf maintains its moisture remarkably well. For short-term storage, wrap the completely cooled loaf in plastic wrap or place it in an airtight container at room temperature for up to 3 days. The flavor actually improves after the first day as the spices meld and intensify.

For longer storage, this bread freezes beautifully. Wrap individual slices in plastic wrap, then aluminum foil, and freeze for up to 3 months. This method allows you to thaw only what you need. A quick 20 seconds in the microwave brings a frozen slice back to fresh-baked tenderness.

Ingredient Swaps

This recipe welcomes adaptations based on dietary needs and what's in your pantry. For a dairy-free version, substitute the milk with almond, oat, or coconut milk. The chocolate chips can be replaced with dairy-free varieties.

For a healthier twist, swap half the all-purpose flour with whole wheat flour. You can reduce the sugar by up to ¼ cup without significantly affecting texture. Applesauce can replace half the oil for reduced fat content, though the loaf may not stay fresh quite as long.

Serving Suggestions

While delicious on its own, this pumpkin chocolate chip loaf transforms into a dessert when served slightly warm with a scoop of vanilla ice cream or a dollop of lightly sweetened whipped cream. For breakfast, toast a slice and spread with a thin layer of cream cheese or almond butter.

For a festive autumn brunch, serve alongside a seasonal fruit platter and spiced apple cider. The loaf makes an impressive hostess gift when wrapped in parchment and tied with twine, accompanied by a jar of local honey or maple butter.

Seasonal Adaptations

Summer adaptation replace chocolate chips with fresh blueberries and add lemon zest. Winter variation add cranberries and orange zest for a holiday twist. Spring version incorporate shredded carrots and walnuts for an earthy profile.

Enjoy a slice of moist Pumpkin Chocolate Chip Loaf with a sprinkle of chocolate on top. Save
Enjoy a slice of moist Pumpkin Chocolate Chip Loaf with a sprinkle of chocolate on top. | butterhearth.com

This loaf is best enjoyed at room temperature or slightly warmed. For a delightful treat, serve with a dusting of powdered sugar or a drizzle of maple syrup.

Recipe Questions

How can I achieve a moist texture?

Using pumpkin purée and oil ensures a tender, moist crumb. Avoid overmixing the batter to keep the loaf soft.

Can I substitute fresh pumpkin for canned?

Yes, use well-drained homemade pumpkin purée, ensuring it's not too watery for consistent results.

What mix-ins work besides chocolate chips?

Chopped walnuts, pecans, or even cranberries add texture and flavor. Mini chocolate chips offer even distribution.

How do I store leftovers?

Wrap the loaf and store at room temperature for up to 3 days, or freeze slices for up to 2 months.

Why is my loaf dense?

Overmixing can create a dense texture. Combine wet and dry ingredients just until blended for a light crumb.

Can I make this loaf dairy-free?

Substitute non-dairy milk and use dairy-free chocolate chips to make the loaf suitable for dairy-free diets.

Pumpkin Chocolate Chip Loaf

Moist spiced pumpkin loaf, rich with chocolate chips—great for breakfast, dessert, or snacking any time.

Prep duration
15 min
Time to cook
55 min
Complete duration
70 min
Created by Grace Mitchell


Skill Level Easy

Heritage American

Output 10 Portions

Dietary considerations Meat-Free

Components

Dry Ingredients

01 1 3/4 cups all-purpose flour
02 1 teaspoon baking soda
03 1/2 teaspoon baking powder
04 1/2 teaspoon salt
05 1 1/2 teaspoons ground cinnamon
06 1/2 teaspoon ground nutmeg
07 1/4 teaspoon ground cloves

Wet Ingredients

01 1 cup canned pumpkin purée
02 2 large eggs
03 1/2 cup vegetable oil
04 1/4 cup milk
05 3/4 cup granulated sugar
06 1/4 cup brown sugar
07 1 teaspoon vanilla extract

Mix-ins

01 3/4 cup semi-sweet chocolate chips

Directions

Stage 01

Preheat Oven and Prepare Pan: Preheat your oven to 350°F (175°C). Grease and line a 9x5-inch loaf pan with parchment paper for easy removal.

Stage 02

Combine Dry Ingredients: In a medium bowl, whisk together the all-purpose flour, baking soda, baking powder, salt, ground cinnamon, ground nutmeg, and ground cloves until thoroughly combined.

Stage 03

Combine Wet Ingredients: In a large bowl, whisk the pumpkin purée, large eggs, vegetable oil, milk, granulated sugar, brown sugar, and vanilla extract until the mixture is smooth and uniformly blended.

Stage 04

Incorporate Dry into Wet: Gradually add the dry ingredients to the wet ingredients. Stir gently until just combined. It is crucial not to overmix the batter at this stage.

Stage 05

Add Chocolate Chips: Gently fold in the semi-sweet chocolate chips. Reserve a small handful to sprinkle decoratively on top of the batter before baking.

Stage 06

Fill and Top the Pan: Pour the prepared batter into the greased and lined loaf pan, ensuring the surface is smooth. Sprinkle the reserved chocolate chips evenly over the batter.

Stage 07

Bake the Loaf: Bake for 50–60 minutes. Test for doneness by inserting a toothpick into the center; it should come out with a few moist crumbs attached.

Stage 08

Cool the Loaf: Allow the loaf to cool in the pan for approximately 10 minutes before carefully transferring it to a wire rack to cool completely before slicing and serving.

Necessary tools

  • 9x5-inch loaf pan
  • Mixing bowls
  • Whisk
  • Rubber spatula
  • Measuring cups and spoons
  • Parchment paper
  • Wire rack

Allergy details

Review each component for potential allergens and consider consulting with a healthcare provider if you're unsure about certain ingredients.
  • Contains wheat (gluten) and eggs. May contain dairy due to chocolate chips and milk. Always review individual product labels for potential cross-contamination with nuts or soy if allergies are a concern.

Nutritional information (per portion)

These values are estimates only and shouldn't replace professional medical guidance.
  • Energy Value: 250
  • Fats: 11 g
  • Carbohydrates: 36 g
  • Protein Content: 3 g