
When the leaves turn golden and the crisp autumn air fills your mornings there is one comforting aroma that makes everything feel warm and cozy fresh bread baking in the oven. Among all the seasonal bakes Moist Chocolate Pumpkin Bread stands out as an irresistible treat that combines the earthy sweetness of pumpkin with the rich decadence of chocolate. This is about more than flavor it is about texture nostalgia and the cozy ritual of baking at home. The moist crumb delicate pumpkin spice notes and bursts of melty chocolate create a loaf perfect for breakfast dessert or a sweet afternoon snack. This bread always reminds me of fall gatherings when each slice disappears faster than the last.
I made this loaf the first time for a Thanksgiving breakfast and it instantly became a tradition in our house. It is that treat which asks for simple ingredients and always impresses family and friends.
Ingredients
- Two cups all-purpose flour: for the soft but sturdy base
- Three fourths cup unsweetened cocoa powder: for rich chocolate essence
- Two teaspoons baking soda: to help the loaf rise
- One teaspoon baking powder: as backup lift
- One teaspoon salt: to enhance all flavors
- Two teaspoons ground cinnamon: for classic autumn warmth
- One half teaspoon nutmeg: for a deep earthy note
- One quarter teaspoon cloves: for a little spicy edge if you like
- One and a half cups pumpkin puree: not pumpkin pie filling for moisture and subtle flavor
- One cup granulated sugar: for sweetness and balance
- One half cup brown sugar: to add richness and softness
- Three large eggs: help bind and add structure
- One half cup vegetable oil: to keep it extra tender
- One half cup Greek yogurt or sour cream: for tang and even more moisture
- Two teaspoons pure vanilla extract: for true bakery aroma
- One cup semi-sweet chocolate chips: for melty spots in each bite
- Optional one half cup chopped dark chocolate: for even more intensity
Choose the freshest spices and real pumpkin puree for the best results. If your cocoa smells deeply chocolatey use that. Quality chocolate chips make every bite special.
Step-by-Step Instructions
- Preheat and Prepare:
- Set your oven to three hundred fifty degrees Fahrenheit. Grease or line a nine by five inch loaf pan with parchment so your loaf comes out easily
- Mix Dry Ingredients:
- Use a large bowl and whisk flour cocoa powder baking soda baking powder salt cinnamon nutmeg and cloves until completely blended. This prevents clumps and distributes the spices evenly.
- Whisk Wet Ingredients:
- In a second bowl combine your pumpkin puree with both sugars eggs oil yogurt and vanilla. Whisk until the mixture is creamy and smooth with no sugar bits visible.
- Combine Mixtures:
- Gradually add the dry blend into the wet mixture. Use a spatula to fold just until everything is incorporated. Stop once no white streaks remain so your loaf stays tender instead of getting tough.
- Add Chocolate:
- Fold in most of the chocolate chips and dark chocolate if using. Save a few chips to scatter on top for a pretty finish.
- Bake:
- Pour the thick batter into your prepared loaf pan. Smooth the top and sprinkle those reserved chocolate chips all over. Place in the oven and bake for fifty five to sixty five minutes. The loaf is ready when a toothpick in the center comes out with just a few crumbs not wet batter.
- Cool:
- Let the bread rest in the pan about ten minutes then use the parchment to lift it out. Place on a rack so it fully cools before you slice otherwise it might crumble.

My favorite part has always been the melty chocolate chips right in the middle of a thick slice especially when the bread is still slightly warm. One rainy fall afternoon my little one helped sprinkle the chocolate chips on top and we both agreed more is always better. This bread is now our lazy Saturday tradition.
Storage Tips
Wrap the loaf tightly and it will stay fresh at room temperature for three or four days without drying out. If you want it longer keep it in the fridge for up to a week. For the best flavor after freezing slice the loaf and wrap each piece in plastic then store all of them in a freezer bag. Let slices thaw overnight or microwave gently so the chips melt again.
Ingredient Substitutions
To make it gluten free use a cup for cup gluten free flour mix. For a dairy free version grab coconut yogurt and allergy safe chocolate chips. Flax eggs also work for an eggless loaf and still result in a good texture. If you do not have Greek yogurt sour cream works just as well.

Serving Suggestions
Enjoy a thick slice with your morning coffee or as part of a brunch table beside fresh berries. Spread on some cream cheese or nut butter for a filling snack. For dessert try a dollop of whipped cream or vanilla ice cream. Slices are lovely toasted for a quick treat.
Cultural and Seasonal Traditions
Pumpkin bread is rooted in American autumn baking often appearing at Thanksgiving or fall gatherings. The blend of chocolate and pumpkin is a modern twist that pairs seasonal nostalgia with a universally loved treat. In our home the first loaf marks the unofficial start of autumn.
Commonly Asked Questions
- → Can I use fresh pumpkin instead of canned?
Yes, roast and puree fresh pumpkin, making sure to drain excess liquid for the best texture.
- → Why does the bread turn out dense?
Denseness may result from overmixing or inaccurate flour measurement. Spoon and level your flour for accuracy.
- → Is it possible to make muffins from this batter?
Absolutely! Portion the batter into muffin tins and bake at 350°F for 18–22 minutes.
- → Can I make it less sweet?
You can reduce the sugars, but keep at least ¾ cup total to ensure good moisture and balanced flavor.
- → How do I know when it is done?
The loaf is done when a toothpick comes out clean or with just a few moist crumbs—no raw batter.
- → What are the best ways to serve it?
Enjoy sliced with coffee, spread with cream cheese, topped with whipped cream, or packed for a festive brunch.