I just pulled a batch of these Chocolate Chip Pumpkin Cream Cheese Muffins from the oven, and my kitchen smells absolutely divine. The combination of warm pumpkin spice, rich chocolate, and that tangy cream cheese swirl is something I look forward to every autumn. These muffins are my go-to for a bakery-style treat at home because they are surprisingly simple to make. They turn out perfectly moist and flavorful every single time. If you love experimenting with breakfast treats, you can also enjoy similar Carrot Apple Zucchini Bread Recipe ideas for variety. I can’t wait for you to try them and see for yourself how incredible they are.
Ingredients for Your Muffins
Here are the ingredients you’ll need to create these delightful muffins. Using fresh and correct ingredients is key to achieving the perfect texture and flavor.
For the Muffin Batter:
- 1 ¾ cups all-purpose flour: This provides the main structure for the muffins.
- 1 teaspoon baking soda: This is the leavening agent that helps the muffins rise and become fluffy.
- ¼ teaspoon salt: A small amount of salt enhances all the other flavors in the recipe.
- 2 teaspoons ground cinnamon: The classic warm spice that pairs perfectly with pumpkin.
- ¼ teaspoon ground ginger: Adds a subtle, zesty warmth to the spice blend.
- ¼ teaspoon ground cloves: Brings a deep, aromatic, and slightly sweet flavor.
- ¼ teaspoon ground nutmeg: Complements the other spices with its nutty and sweet notes.
- 8 ounces canned pure pumpkin: Make sure to use pure pumpkin puree, not pumpkin pie filling, which is pre-sweetened and spiced.
- ½ cup dark brown sugar: Adds moisture and a rich, molasses-like sweetness.
- ¼ cup granulated sugar: Provides a cleaner, straightforward sweetness to balance the brown sugar.
- ½ cup vegetable oil: This is the secret to incredibly moist muffins.
- 2 large eggs: They bind the ingredients together and add richness.
- 1 teaspoon pure vanilla extract: Enhances the sweet flavors of the batter.
- 1 cup mini chocolate chips (divided): Mini chips distribute more evenly than regular-sized ones, ensuring chocolate in every bite.
For the Cream Cheese Filling:
- 8 ounces cream cheese (room temperature): Using room temperature cream cheese is crucial for a smooth, lump-free filling.
- ¼ cup sugar: Sweetens the tangy cream cheese.
- 1 egg: Helps the filling set and adds to its creamy texture.
- 1 tablespoon milk: Thins the filling just enough to make it easy to swirl.
- 1 teaspoon pure vanilla extract: Adds a layer of flavor to the cream cheese swirl.
Note: This recipe makes 24 muffins, providing several servings. You can also pair these muffins with a hearty Country Gravy Breakfast Enchiladas Recipe for a complete brunch spread.
Variations
One of the best things about this recipe is how easy it is to customize. Here are a few ideas to switch things up.
- Nutty Addition: For a bit of crunch, fold in ½ cup of chopped pecans or walnuts into the pumpkin batter. You can also sprinkle some on top before baking.
- Spice It Up: If you love a strong spice flavor, feel free to add a pinch of cardamom or allspice to the dry ingredients for another layer of complexity.
- Different Chips: While mini chocolate chips are great, you can experiment with white chocolate chips, butterscotch chips, or even cinnamon chips for a different flavor profile.
- Citrus Zest: Add a teaspoon of orange zest to the cream cheese filling. The bright citrus flavor cuts through the richness and beautifully complements the pumpkin.

Cooking Time
This recipe comes together quickly, making it perfect for a weekend baking project.
- Prep Time: 15 minutes
- Cook Time: 20 minutes
- Total Time: 35 minutes
Equipment You Need
You don’t need any fancy gadgets for this recipe, just some standard baking tools.
- Two Large Bowls: You will need one for the pumpkin batter and another for the cream cheese filling.
- Whisk: For combining both the wet and dry ingredients until just mixed.
- Muffin Pan and Liners: A standard 24-cup muffin pan and paper or foil liners to prevent sticking.
- Ice Cream Scoop: This is the perfect tool for portioning the batter evenly and neatly into the muffin liners.
How to Make Chocolate Chip Pumpkin Cream Cheese Muffins
Follow these simple steps to create bakery-quality muffins in your own kitchen. The process involves making two separate mixtures and gently combining them for that beautiful swirl effect.
Prepare the Oven and Batter
First, get your oven ready by preheating it to 350°F (175°C). Line a 24-cup muffin pan with paper liners. In a large bowl, whisk together the canned pumpkin, dark brown sugar, granulated sugar, vegetable oil, eggs, and vanilla extract. Stir in ½ cup of the mini chocolate chips until everything is well combined.
Combine Dry Ingredients
In the same bowl, add the all-purpose flour, baking soda, salt, cinnamon, ginger, cloves, and nutmeg. Whisk the dry ingredients into the wet mixture until they are just combined. Be careful not to overmix, as this can lead to tough muffins.
Make the Cream Cheese Filling
In a separate medium bowl, prepare the cream cheese layer. Combine the room temperature cream cheese, sugar, egg, milk, and vanilla extract. Whisk until the mixture is smooth and creamy, with no lumps remaining.
Swirl the Batters
Gently add the cream cheese mixture to the bowl of pumpkin batter in large spoonfuls. Using a knife or a spatula, swirl the two batters together just a few times. You want to create distinct ribbons of cream cheese, not a fully incorporated mixture.
Fill the Muffin Liners and Bake
Use an ice cream scoop to divide the batter evenly among the 24 prepared muffin liners. The scoop helps keep the swirls intact. Sprinkle the remaining ½ cup of mini chocolate chips over the tops of the muffins. Bake for 18-20 minutes, or until a toothpick inserted into the center comes out clean.
Additional Tips for Making this Recipe Better
Over the years, I’ve picked up a few tricks that take these muffins from great to absolutely unforgettable.
- Don’t Over-Swirl: The most important tip I can give you is to resist the urge to mix the cream cheese filling into the batter completely. I use a butter knife and make just two or three figure-eight motions through the batter. This ensures you get those delicious, distinct pockets of tangy cream cheese.
- Room Temperature is Key: I can’t stress enough how important it is for your cream cheese and eggs to be at room temperature. Cold cream cheese will result in a lumpy filling, and cold eggs don’t incorporate as well into the batter. I usually take them out of the fridge about 30-45 minutes before I start baking.
- The Initial High Heat Trick: For a better dome on your muffins, I sometimes start the oven at 400°F for the first 5 minutes, then reduce it to 350°F for the remaining bake time. This initial blast of heat helps the muffins rise quickly, creating that classic bakery-style top.
How to Serve Chocolate Chip Pumpkin Cream Cheese Muffins
These muffins are delicious on their own, but a little extra effort in presentation makes them even more special.
Serve them warm from the oven for the ultimate gooey chocolate experience. They are perfect with a hot cup of coffee, a chai latte, or a simple glass of milk. If you’re serving them for a brunch or gathering, arrange them on a tiered platter or a rustic wooden board. A light dusting of powdered sugar or a drizzle of melted chocolate right before serving adds a touch of elegance.

Nutritional Information
Here is an approximate nutritional breakdown per muffin.
- Calories: 191 kcal
- Carbohydrates: 22g
- Protein: 3g
- Fat: 10g
Make Ahead and Storage
These muffins are great for making ahead, and they store wonderfully.
Storing: Once the muffins have cooled completely, you can store them in an airtight container in the refrigerator for up to 4-5 days. The cream cheese filling means they should be refrigerated.
Freezing: These muffins freeze exceptionally well. Arrange them in a single layer on a baking sheet and freeze until solid. Then, transfer them to a freezer-safe bag or container, where they will stay fresh for up to 3 months.
Reheating: To enjoy a warm muffin, you can reheat it from the refrigerator or freezer. Simply microwave a single muffin for about 20-30 seconds.
Why You’ll Love This Recipe
There are so many reasons to adore these muffins, from their flavor to their simplicity.
- Perfect Flavor Combination: The mix of earthy pumpkin, warm spices, rich chocolate, and tangy cream cheese is a classic for a reason. Each bite offers a perfect balance of sweet and tangy notes.
- Incredibly Moist Texture: Thanks to the oil and pumpkin puree, these muffins have a wonderfully soft and moist crumb that stays fresh for days. They are the opposite of dry, crumbly muffins.
- Bakery-Quality at Home: This recipe is straightforward enough for any home baker, yet the results are impressive enough to rival your favorite coffee shop. The beautiful cream cheese swirl makes them look as good as they taste.
- Great for Any Occasion: Whether you need a quick breakfast, an afternoon snack, or a dessert for a gathering, these muffins fit the bill. They are portable, easy to serve, and loved by both kids and adults.

Chocolate Chip Pumpkin Cream Cheese Muffins Recipe
Ingredients
Method
- First, get your oven ready by preheating it to 350°F (175°C). Line a 24-cup muffin pan with paper liners. In a large bowl, whisk together the canned pumpkin, dark brown sugar, granulated sugar, vegetable oil, eggs, and vanilla extract. Stir in ½ cup of the mini chocolate chips until everything is well combined.
- In the same bowl, add the all-purpose flour, baking soda, salt, cinnamon, ginger, cloves, and nutmeg. Whisk the dry ingredients into the wet mixture until they are just combined. Be careful not to overmix, as this can lead to tough muffins.
- In a separate medium bowl, prepare the cream cheese layer. Combine the room temperature cream cheese, sugar, egg, milk, and vanilla extract. Whisk until the mixture is smooth and creamy, with no lumps remaining.
- Gently add the cream cheese mixture to the bowl of pumpkin batter in large spoonfuls. Using a knife or a spatula, swirl the two batters together just a few times. You want to create distinct ribbons of cream cheese, not a fully incorporated mixture.
- Use an ice cream scoop to divide the batter evenly among the 24 prepared muffin liners. The scoop helps keep the swirls intact. Sprinkle the remaining ½ cup of mini chocolate chips over the tops of the muffins. Bake for 18-20 minutes, or until a toothpick inserted into the center comes out clean.
Notes
- Don’t Over-Swirl: The most important tip I can give you is to resist the urge to mix the cream cheese filling into the batter completely. I use a butter knife and make just two or three figure-eight motions through the batter. This ensures you get those delicious, distinct pockets of tangy cream cheese.
- Room Temperature is Key: I can’t stress enough how important it is for your cream cheese and eggs to be at room temperature. Cold cream cheese will result in a lumpy filling, and cold eggs don’t incorporate as well into the batter. I usually take them out of the fridge about 30-45 minutes before I start baking.
- The Initial High Heat Trick: For a better dome on your muffins, I sometimes start the oven at 400°F for the first 5 minutes, then reduce it to 350°F for the remaining bake time. This initial blast of heat helps the muffins rise quickly, creating that classic bakery-style top.






