Pumpkin Chocolate Loaf with Spiced Chocolate Chips

This pumpkin and chocolate bread features vibrant orange spiced pumpkin layers alternating with rich, gooey chocolate. After testing the recipe multiple times, this version produces a tall, tender loaf with distinct layers and pockets of melted chocolate perfect for breakfast or an afternoon snack.

slices of pumpkin and chocolate bread with swirls and chocolate chips

🍞 Why you’ll LOVE this recipe

  • Best of both flavors: Spiced pumpkin and intense chocolate combine for a loaf that’s moist, tender, and deeply flavored.
  • Layered appearance: Distinct orange pumpkin layers alternate with deep chocolate ribbons studded with mini chocolate chips.
  • Simple to make: The loaf batter comes together quickly and bakes into an impressive, bakery-style bread.
  • Seasonal and festive: This loaf is an easy way to celebrate fall flavors and looks beautiful on the table.
slices of pumpkin and chocolate swirled bread on printed parchment paper

📝 Key ingredients

Read the tips below for success. Full ingredient amounts and steps are in the recipe card.

ingredients for pumpkin and chocolate bread in bowls

All-purpose flour: For best results weigh the flour. If using measuring cups, stir the flour, spoon it into the cup, and level it off without packing.

Pumpkin puree: Store-bought puree gives a consistent flavor and texture. If using homemade, it should be thick like Greek yogurt or hummus.

Pumpkin pie spice: A premixed blend works well, or use a homemade mix of cinnamon, ginger, nutmeg, and cloves.

Cocoa powder: Dutch-process cocoa gives a deeper color and chocolate flavor here, but natural cocoa also works.

Mini chocolate chips: Add pockets of gooey chocolate inside the chocolate layers. Semisweet chips are recommended, but milk chocolate adds more sweetness.

Greek yogurt: Adds moisture and a subtle tang; sour cream is a fine substitute.

👩‍🍳 How to make chocolate pumpkin bread

Prep: Preheat the oven to 355°F (180°C). Line a 9×5-inch loaf pan with parchment or grease it with a baking spray that contains flour.

whisking eggs and sugar with a wire whisk in a pumpkin shaped bowl

Step 1: Whisk eggs and brown sugar in a large bowl until the mixture thickens slightly and becomes foamy, about 30 seconds by hand.

whisking pumpkin batter wet ingredients in large pumpkin shaped bowl

Step 2: Add melted butter, pumpkin puree, Greek yogurt, vanilla, salt, and pumpkin pie spice. Mix until combined.

stirring pumpkin bread batter with silicone spatula

Step 3: Sift the flour, baking powder, and baking soda into the bowl and fold gently until just combined to avoid overmixing.

whisking cocoa powder and hot water in a small bowl with a wire whisk

Step 4: In a small bowl whisk together cocoa powder, boiling water, and optional instant espresso until glossy and smooth to bloom the cocoa.

folding mini chocolate chips into chocolate pumpkin bread batter

Step 5: Divide the batter in half. Stir the cocoa mixture into one half to make the chocolate batter, then fold in the mini chips.

layering pumpkin and chocolate batter in loaf pan

Step 6: Spoon alternating dollops of the pumpkin and chocolate batters into the loaf pan to build layers. Scoop roughly 1/3 cup at a time for even layering.

chocolate and pumpkin bread batter in loaf pan

Step 7: Bake for 55–60 minutes at 355°F (180°C), or until a toothpick inserted in the center comes out with a few moist crumbs. Start checking at 55 minutes.

sliced pumpkin and chocolate bread on brown printed parchment paper

Step 8: Let the loaf rest in the pan for 10 minutes, then remove and cool completely on a wire rack before slicing.

✔️ Expert pumpkin bread tips

  1. Bloom the cocoa: Mixing cocoa with boiling water releases flavor and creates a glossy chocolate batter that blends easily.
  2. Avoid overmixing: Fold gently after adding flour. Overmixing develops gluten and can make the loaf tough.
  3. Watch baking time: Overbaking dries the loaf. Check with a toothpick starting at 50–55 minutes and tent with foil if the top browns too fast.

🥄 Make ahead and storage

Store the cooled loaf wrapped or in an airtight container at room temperature for up to 2 days. For longer storage, refrigerate up to 5 days. For freezing, slice the loaf and separate slices with parchment before placing in a freezer-safe bag or container for up to 2 months.

slice of pumpkin bread swirled with chocolate and chocolate chips

📖 Recipe FAQs

Can I make this pumpkin chocolate loaf gluten free?

Yes. Substitute a 1:1 gluten-free flour blend for the all-purpose flour. Results can vary by brand—we recommend using a blend formulated for baking.

Can I make the whole loaf chocolate?

Yes. Stir the cocoa mixture into the entire batter and increase mini chips if desired for a fully chocolate loaf.

How do I grease a Nordic Ware pan?

For intricate pans, use a nonstick baking spray with flour. For simpler pans, rub with cold butter and dust with flour or cocoa powder for reliable release.

🍂 More related recipes

  • Pumpkin Cream Cheese Streusel Bread
  • Pumpkin Cheesecake Brownies
  • Pumpkin Spice Snickerdoodle Cookies
  • Pumpkin Spice Pancakes with Pumpkin Spice Swirl

Did you make this recipe? I would love your rating and feedback in the comments. Share your photo on Instagram and tag @flouringkitchen.

📖 Recipe

slices of pumpkin and chocolate bread with swirls and chocolate chips

Pumpkin and Chocolate Bread

Mary

Distinct layers of spiced pumpkin and rich chocolate make this loaf a seasonal favorite. Mini chips add gooey pockets of chocolate throughout.
Prep Time 30 mins
Cook Time 55 mins
Total Time 1 hr 25 mins
Course Baking, Breakfast, coffee
Cuisine American
Servings 10 slices
Calories 431 kcal

Equipment

  • 9 x 5 inch loaf pan

Ingredients

  • 3 large eggs, room temperature
  • 1 1/4 cup brown sugar
  • 3/4 cup butter, melted
  • 1 cup pumpkin puree
  • 1/3 cup plain Greek yogurt
  • 1 teaspoon pure vanilla extract
  • 1/4 teaspoon sea salt
  • 1 tablespoon pumpkin pie spice
  • 2 cups all-purpose flour (240g)
  • 1 teaspoon baking soda
  • 1/2 teaspoon baking powder
  • 1/2 cup cocoa powder
  • 1/3 cup boiling water
  • 1/2 teaspoon instant espresso (optional)
  • 1/2 cup mini semisweet chocolate chips

Instructions

  1. Preheat oven to 355°F (180°C). Line a loaf pan with parchment or grease with a baking spray that contains flour.
  2. In a large bowl, whisk eggs and brown sugar until slightly thickened and foamy, about 30 seconds by hand.
  3. Add melted butter, pumpkin puree, Greek yogurt, vanilla, salt, and pumpkin pie spice. Mix until combined.
  4. Sift flour, baking soda, and baking powder into the bowl and fold gently until just combined.
  5. In a small bowl whisk cocoa powder with boiling water and instant espresso (if using) until smooth and glossy.
  6. Divide batter in half. Stir the cocoa mixture into one half to form the chocolate batter, then fold in the mini chips.
  7. Alternate spooning pumpkin and chocolate batters into the pan to create layers, using roughly 1/3 cup per scoop.
  8. Bake 55–60 minutes, checking at 55 minutes. A toothpick inserted in the center should come out with a few moist crumbs.
  9. Let the loaf rest in the pan for 10 minutes, then remove and cool completely before slicing.

Notes

Storage: Keep wrapped at room temperature up to 2 days or refrigerated up to 5 days. Freeze slices with parchment between them in an airtight bag for up to 2 months.

Tips:

  • Bloom the cocoa with boiling water for a richer chocolate flavor.
  • Fold gently after adding flour to avoid a dense loaf.
  • Check early to prevent overbaking; tent with foil if the top browns too quickly.

Nutrition

Calories: 431 kcal
Carbohydrates: 58 g
Protein: 7 g
Fat: 21 g