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Keto Pumpkin Cream Cheese Bread

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This keto pumpkin cream cheese bread is fluffy, easy to make, and packed with perfect pumpkin spice flavors! With no added sugar or grains and just 5g net carbs, it’s the best gluten-free dessert for the holidays.

Close-up of sliced keto pumpkin cream cheese bread with a thick cream cheese layer running through the center.

I love this one because it feels a little more special than regular pumpkin bread without being complicated. The cream cheese center gives every slice that pumpkin-cheesecake feel, while the outside stays soft and tender.

It’s delicious with coffee in the morning, but I’d happily serve it as a fall dessert too.

If you love pumpkin desserts as much as I do, try my Keto Pumpkin Cheesecake BarsKeto Pumpkin CheesecakeKeto Pumpkin Pancakes, or Pumpkin Cheesecake Cupcakes.

Why You’ll Love This Keto Pumpkin Cream Cheese Bread

  • It has a soft, moist pumpkin bread surrounding a creamy cheesecake-style center.
  • Warm pumpkin pie spice gives it plenty of cozy fall flavor.
  • It’s gluten-free and grain-free.
  • It’s made without added sugar.
  • Each slice has about 5g net carbs, based on the recipe card nutrition calculation.
  • You can make it ahead and keep it refrigerated until you’re ready to serve it.
  • It works as a fall breakfast treat, afternoon snack, or keto pumpkin dessert.
Slices of keto pumpkin cream cheese bread arranged on parchment paper showing the creamy cheesecake-style filling.

Ingredients for Keto Pumpkin Cream Cheese Bread

This recipe has two simple parts: the pumpkin bread batter and the cream cheese filling.

For the Keto Pumpkin Bread

Ingredients for keto pumpkin cream cheese bread including pumpkin puree, almond flour, eggs, melted butter, sweetener, spices, and baking powder.
  • Eggs: Use large, room-temperature eggs so they mix smoothly into the batter.
  • Almond flour: Superfine blanched almond flour gives the loaf a soft texture.
  • Coconut flour: Works with the almond flour to give the bread structure. Coconut flour is very absorbent, so don’t substitute it cup-for-cup with another flour.
  • Pumpkin puree: Use 100% pure pumpkin puree, not pumpkin pie filling. You can use canned pumpkin or make your own with my homemade pumpkin puree.
  • Pumpkin pie spice: Use a store-bought blend or make my homemade pumpkin pie spice.
  • Heavy whipping cream: Adds moisture and richness to the pumpkin batter.
  • Sweetener: Use your preferred low-carb sweetener.
  • Butter: Use unsalted butter and melt it before adding it to the batter.
  • Vanilla extract: Adds a little extra warmth and sweetness to the pumpkin flavor.
  • Baking powder: Helps the loaf rise.

For the Cream Cheese Filling

Cream cheese filling ingredients for keto pumpkin bread arranged in small bowls, including cream cheese, egg, sweetener, and dry ingredients.
  • Cream cheese: Use softened cream cheese so the filling becomes smooth instead of lumpy.
  • Egg: One large egg helps the cream cheese layer set as the loaf bakes.
  • Powdered sweetener: Powdered sweetener blends smoothly into the cream cheese filling.
  • Coconut flour: A small amount helps thicken the filling.
  • Vanilla extract: Adds flavor to the cheesecake-style center.

How to Make Keto Pumpkin Cream Cheese Bread

This keto pumpkin bread with cream cheese filling is much easier to make than it looks. The pumpkin batter comes together in one bowl, then you make the cream cheese filling and layer everything in the loaf pan.

1. Prepare the Oven and Pan

Preheat the oven to 350°F (180°C).

Line a 9×5-inch loaf pan with parchment paper and set it aside.

2. Make the Pumpkin Bread Batter

Add the eggs, sweetener, and melted butter to a large mixing bowl.

Mix until the mixture becomes fluffy and frothy.

Preparing keto pumpkin cream cheese bread batter by combining eggs, vanilla, butter, and pumpkin puree, then mixing until smooth.

Add the almond flour, coconut flour, pumpkin puree, pumpkin pie spice, heavy whipping cream, vanilla extract, and baking powder.

Dry ingredients and pumpkin spice added to the wet mixture, then mixed into a thick keto pumpkin bread batter.

Mix until everything is well combined and there are no lumps.

Set the pumpkin bread batter aside while you prepare the cream cheese filling.

3. Make the Cream Cheese Filling

Add the softened cream cheese, egg, powdered sweetener, coconut flour, and vanilla extract to a mixing bowl.

Mix until smooth and creamy.

Preparing the cream cheese filling for keto pumpkin bread by combining the filling ingredients and blending until smooth.

4. Assemble the Pumpkin Cream Cheese Bread

Pour half of the pumpkin bread batter into the prepared loaf pan and spread it evenly.

Add the cream cheese filling and gently spread it over the pumpkin batter.

Pour the remaining pumpkin batter over the cream cheese layer and smooth the top with a spatula.

Cream cheese filling spread over pumpkin bread batter in a parchment-lined loaf pan before covering with more pumpkin batter.

5. Bake

Bake the pumpkin cream cheese bread for 50 minutes.

Freshly baked keto pumpkin cream cheese bread being removed from the loaf pan and sliced to reveal the creamy center.

Remove it from the oven and allow it to cool before slicing. The cream cheese center will continue to set as the loaf cools.

Tips for the Best Keto Pumpkin Cream Cheese Bread

  • Use superfine almond flour. It gives the pumpkin bread a softer texture than coarse almond meal.
  • Measure the coconut flour carefully. Coconut flour is very absorbent, so even a little too much can make the loaf dry.
  • Use room-temperature eggs. They mix more smoothly with the other ingredients.
  • Soften the cream cheese. This makes it much easier to create a smooth filling without lumps.
  • Use pure pumpkin puree. Don’t substitute pumpkin pie filling, which usually contains added sweeteners and spices.
  • Don’t overmix the batter. Once everything is combined and there are no lumps, stop mixing.
  • Use a 9×5-inch loaf pan. A different pan size can change how quickly the center bakes.
  • Let the bread cool before slicing. The cream cheese layer is softer while hot and becomes firmer as the loaf cools.
Overhead view of sliced keto pumpkin cream cheese bread served beside pumpkin puree and a decorative pumpkin.

How Do I Know When Pumpkin Cream Cheese Bread Is Done?

Bake the bread for 50 minutes at 350°F (180°C).

The top should look set rather than wet, and the pumpkin bread around the cream cheese center should be baked through.

Because there is a creamy filling in the middle, the center will naturally stay softer than regular pumpkin bread. Letting the loaf cool before slicing also helps the filling set.

How to Store Keto Pumpkin Cream Cheese Bread

Because this bread has a cream cheese filling, it should be stored in the refrigerator.

Refrigerator

Once the bread has completely cooled, transfer it to an airtight container or wrap it well.

Store it in the refrigerator for up to 3–4 days.

Freezer

You can also freeze individual slices for up to 2 months.

Wrap each slice well and place them in a freezer-safe bag or container. This makes it easy to thaw only as many slices as you need.

Slice of keto pumpkin cream cheese bread on a white plate showing the soft pumpkin crumb and cream cheese swirl.

Frequently Asked Questions

Can I Make Pumpkin Cream Cheese Bread Ahead of Time?

Yes. This keto pumpkin cream cheese bread is a great make-ahead recipe.
Bake the loaf as directed, let it cool completely, then cover and refrigerate it until you’re ready to serve.
The cream cheese filling becomes firmer once chilled, so the bread also slices beautifully after refrigeration.

Is Pumpkin Keto-Friendly?

Pumpkin can fit into a low-carb or keto diet when you use it in appropriate portions.
The pumpkin puree in this recipe is divided between 12 servings, and each slice has approximately 5g net carbs according to the recipe card.
You can read more in my guide about whether pumpkin is keto-friendly.

Can I Use Homemade Pumpkin Puree?

Yes. You can use either canned or homemade pumpkin puree for this recipe.
Just make sure you’re using 100% pure pumpkin puree, not pumpkin pie filling.
If you’d like to make it from scratch, follow my complete homemade pumpkin puree recipe.

More Keto Pumpkin Recipes

If you’re looking for more low-carb pumpkin recipes, try:

Close-up of sliced keto pumpkin cream cheese bread with a thick cream cheese layer running through the center.

Keto Pumpkin Cream Cheese Bread

5 from 6 votes

Prep time 10 minutes
Cook Time 50 minutes
Servings 12 servings
Author Ioana Diaconu from LowCarbSpark.com

Description
 

This keto pumpkin cream cheese bread is fluffy, perfectly spiced, and filled with a creamy cheesecake-style center. It’s gluten-free, grain-free, made without added sugar, and has just 5g net carbs per serving.

Ingredients
 
 

Cream Cheese Filling

Instructions
 

  • Preheat the oven to 350°F (180°C).
  • Line a 9×5-inch loaf pan with parchment paper.
  • Add the eggs, sweetener, and melted butter to a large mixing bowl. Mix until fluffy and frothy.
    how to make Pumpkin Cream Cheese Bread1
  • Add the almond flour, coconut flour, pumpkin puree, pumpkin pie spice, heavy whipping cream, vanilla extract, and baking powder.
    how to make Pumpkin Cream Cheese Bread2
  • Mix until well combined and there are no lumps. Set the pumpkin bread batter aside.
  • Make the cream cheese filling. Add the softened cream cheese, egg, powdered sweetener, coconut flour, and vanilla extract to a bowl. Mix until smooth and creamy.
    how to make Pumpkin Cream Cheese Bread3
  • Assemble the pumpkin cream cheese bread.
  • Pour half of the pumpkin bread batter into the prepared loaf pan and spread it evenly.
    Spread the cream cheese filling evenly over the pumpkin batter.
    Pour the remaining pumpkin batter over the cream cheese layer and smooth the top with a spatula.
    how to make Pumpkin Cream Cheese Bread4
  • Bake for 50 minutes. Remove the pumpkin cream cheese bread from the oven and let it cool before slicing.
    how to make Pumpkin Cream Cheese Bread5

Notes

  • Use 100% pure pumpkin puree, not pumpkin pie filling.
  • Use superfine blanched almond flour for the best texture.
  • Measure the coconut flour carefully because it is highly absorbent.
  • Make sure the cream cheese is softened before mixing so the filling becomes smooth and creamy.
  • Allow the loaf to cool before slicing so the cream cheese center has time to set.
  • Because of the cream cheese filling, store leftovers covered in the refrigerator for up to 3–4 days.
  • Individual slices can be frozen for up to 2 months.
Nutrition Facts
Amount per serving.
Calories
232kcal
Total Carbs
8g
Net Carbs
5g
Protein
8g
Fat
20g
Fiber
3g
Sugar
2g

Nutrition information is shared to make meal planning easier. Values are estimates and can vary depending on the ingredients, brands, and serving sizes used. Learn more in my nutrition policy.

Course Dessert
Cuisine American
Keyword Keto Pumpkin Cream Cheese Bread
Tried this recipe?Mention @LowCarbSpark or tag #LowCarbSpark!

Ioana, recipe developer at LowCarbSpark
Hi!
Written by

Ioana

Recipe developer & food photographer
I'm Ioana Diaconu, the recipe developer, photographer, and writer behind LowCarbSpark. I've been doing this for over 10 years, back when low-carb still felt like a fringe thing. Today, after testing more than 800 recipes in my own kitchen, I'm still obsessed with the same thing: real food that works on real weeknights. Every recipe here is tested at least 3 times before it goes live. No shortcuts, no AI-generated copy, no diet talk. Just food that actually works. More about me →
5 from 6 votes (5 ratings without comment)

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Recipe Rating




One comment
  1. 5 stars
    Delicious! Followed the recipe exactly. Topped with some sliced almonds and a drizzle of allulose maple syrup once sliced.


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