Caramel Cream Cheese Bread — Full Recipe

Ingredients

For the Bread Batter

• 2 cups all-purpose flour
• 1 cup granulated sugar
• 1 tsp baking powder
• 1/2 tsp baking soda
• 1/2 tsp salt
• 2 large eggs
• 1 cup buttermilk (or 1 cup milk + 1 tbsp vinegar)
• 1/3 cup vegetable oil
• 2 tsp vanilla extract

For the Cream Cheese Filling

• 8 oz (225g) cream cheese, softened
• 1/4 cup granulated sugar
• 1 egg
• 1 tsp vanilla extract

For the Caramel Swirl

• 1/2 cup thick caramel sauce (store-bought or homemade)
• 1 tsp sea salt (optional for salted caramel)

For the Topping (optional but amazing)

• Extra caramel drizzle
• A sprinkle of coarse sugar

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Instructions

1. Make the Bread Batter

In a large bowl, whisk together the flour, sugar, baking powder, baking soda, and salt.
In a separate bowl, mix the eggs, buttermilk, oil, and vanilla.
Pour the wet ingredients into the dry ones and mix just until smooth. Do not overmix.

2. Make the Cream Cheese Filling

In a medium bowl, beat the cream cheese, sugar, egg, and vanilla until creamy and smooth.

3. Layer the Batter

Grease and line a loaf pan.
Pour half the bread batter into the pan.
Spoon the cream cheese mixture over it, spreading gently.
Warm the caramel slightly so it spreads easily. Drizzle half over the cream cheese layer.
Pour the remaining bread batter on top.

4. Add the Caramel Swirl

Drizzle the remaining caramel over the top of the batter.
Use a knife to gently swirl it through the batter, creating a marbled pattern.

5. Bake

Bake at 350°F (175°C) for 55–65 minutes, or until a toothpick inserted into the center comes out clean (avoid the cream cheese pocket when testing).
Cover loosely with foil halfway through if the top browns too quickly.

6. Cool & Serve

Let the bread cool in the pan for 10 minutes, then transfer to a rack.
Once cooled slightly, drizzle with more caramel if you want extra shine and sweetness.