This Cheddar-Stuffed Meatloaf is a hearty dish that combines ground meat with gooey cheese in the center. It’s the ultimate comfort food that warms your heart and belly!
You can’t go wrong with melted cheddar oozing out when you slice it! It’s like a surprise party in your mouth—everyone loves it! 🎉
I enjoy serving this meatloaf with mashed potatoes and green beans. It’s simple to make and always a hit at my dinner table—perfect for family gatherings!
Key Ingredients & Substitutions
Ground Beef: I use 80% lean ground beef for a juicy result. If you’re looking for a healthier alternative, ground turkey or chicken works well, but they may dry out slightly. Just add a bit more milk or moisture.
Cheddar Cheese: Shredded sharp cheddar is my favorite for its tangy flavor. If you’re not a cheddar fan, you can substitute with Monterey Jack, Gouda, or even a cheese blend for variety.
Bread Crumbs: I prefer plain breadcrumbs, but you can also use seasoned breadcrumbs or crushed crackers for more flavor. In a pinch, rolled oats can work well too, just blend them first for finer texture.
Onion and Garlic: Freshly chopped onion and garlic add great flavor. If you’re short on time, onion powder and garlic powder can be used as alternatives—1/2 teaspoon of each should suffice.
Thyme: Dried thyme adds a nice touch but is optional. Feel free to add other herbs like oregano or Italian seasoning if you like.
How Can I Ensure My Meatloaf Holds Together?
Getting a meatloaf that stays intact can be tricky, but here are my tips:
- Balance of Ingredients: Make sure to include enough binding agents like eggs and breadcrumbs. They help hold everything together.
- Don’t Overmix: Mix your ingredients until they’re just combined. Overmixing can make your meatloaf tough.
- Shape Carefully: When forming the loaf, don’t compact it too tightly. A gentle touch keeps it light and tender.
- Resting Time: Let it sit after baking. This allows the juices to redistribute and helps it hold its shape when sliced.
These steps will help you create a meatloaf that’s juicy, flavorful, and stays together beautifully when served!

Cheddar-Stuffed Meatloaf
Ingredients You’ll Need:
For the Meatloaf:
- 1 ½ lbs ground beef (80% lean)
- 1 cup shredded cheddar cheese
- 1 cup breadcrumbs
- 1 small onion, finely chopped
- 2 cloves garlic, minced
- 1/2 cup milk
- 2 large eggs
- 1/4 cup ketchup (plus extra for topping)
- 1 tablespoon Worcestershire sauce
- 1 teaspoon salt
- 1/2 teaspoon black pepper
- 1/2 teaspoon dried thyme (optional)
- Fresh parsley, chopped (for garnish)
How Much Time Will You Need?
This scrumptious Cheddar-Stuffed Meatloaf will take about 15 minutes to prepare and about 60-70 minutes to bake, plus 10 minutes of resting time. So, you’re looking at about 1 hour and 30 minutes total, making it a great option for dinner!
Step-by-Step Instructions:
1. Preheat the Oven:
Start by preheating your oven to 350°F (175°C). This will ensure it’s nice and hot when you’re ready to bake your meatloaf. While you’re at it, grease a loaf pan or line a baking sheet with parchment paper to prevent sticking.
2. Mix the Meatloaf Ingredients:
In a large bowl, gather the ground beef, breadcrumbs, chopped onion, minced garlic, milk, eggs, ketchup, Worcestershire sauce, salt, pepper, and thyme (if using). Use your hands or a spoon to mix everything together until well combined. It’s messy but fun!
3. Shape the Base:
Take about half of the meat mixture and shape it into a loaf. You can do this on your baking dish or press it into the loaf pan. Make sure to create a nice flat base that will hold the cheese.
4. Add the Cheddar Cheese:
Now, sprinkle the shredded cheddar cheese evenly over the center of the meatloaf base. Leave about ½ inch space from the edges to avoid the cheese spilling out.
5. Seal the Cheese:
Take the remaining meat mixture and carefully cover the cheese layer completely. Shape it into a loaf, ensuring the cheese is sealed inside. It’s like hiding a treasure!
6. Glaze the Top:
Spread a thin layer of ketchup over the top of your meatloaf for a nice glaze. It adds flavor and a lovely look!
7. Bake the Meatloaf:
Place your meatloaf in the preheated oven and bake for about 60-70 minutes. You want it to reach an internal temperature of 160°F (71°C) for it to be safely cooked.
8. Add More Cheese:
If you can handle more cheese (and who can’t?), sprinkle additional cheddar on top in the last 5 minutes of baking. Let it melt beautifully!
9. Rest the Meatloaf:
Once baked, take your meatloaf out of the oven and let it rest for about 10 minutes. This helps keep all the juices in when you slice it.
10. Serve and Enjoy:
Slice the meatloaf and garnish with freshly chopped parsley. Serve it warm with your choice of sides—mashed potatoes or veggies are great companions to this cheesy delight!
This recipe promises a deliciously satisfying Cheddar-Stuffed Meatloaf! Enjoy the surprise of melted cheese in every bite!
Can I Use Leaner Ground Meat for This Recipe?
Yes, you can use leaner ground meats like turkey or chicken, but keep in mind they might be drier. To combat this, add a bit more milk or include a tablespoon of oil to maintain moisture.
How Can I Store Leftover Meatloaf?
Store any leftover meatloaf in an airtight container in the fridge for up to 3 days. You can also freeze it for longer storage. Just wrap it tightly and it should last about 2-3 months. Thaw in the fridge before reheating.
Can I Make This Meatloaf Ahead of Time?
Absolutely! You can prepare the meatloaf mixture, shape it, and then wrap it tightly in plastic wrap. Store it in the fridge for up to 24 hours before baking. Just remember to add a few extra minutes to the baking time if it’s coming straight from the fridge.
What Can I Serve with Cheddar-Stuffed Meatloaf?
This meatloaf pairs wonderfully with mashed potatoes, green beans, or a fresh salad. You could also serve it on a bun for a delicious meatloaf sandwich the next day!



