This Cheddar-Stuffed Meatloaf is a heartwarming dish that combines juicy ground beef with melted cheese inside. It’s both simple and tasty, making it perfect for family dinner!
Honestly, who can resist that gooey cheddar in the middle? I always make extra so that there are leftovers for next day sandwiches. Yum! 😋
Key Ingredients & Substitutions
Ground Beef: I like using 80/20 ground beef for the right balance of flavor and juiciness. If you’re looking for leaner meat, ground turkey or chicken works well too, but they might be less juicy.
Breadcrumbs: Plain breadcrumbs help bind the meatloaf. You can substitute them with crushed crackers or even oatmeal for a healthier alternative—just adjust the liquid as needed!
Cheddar Cheese: Sharp cheddar adds a nice tang. If you want something milder, go for mild cheddar or even mozzarella for a gooey texture. Experiment with flavored cheeses like pepper jack for a spicy kick!
Ketchup: It adds a sweet touch on top of the meatloaf. If you prefer a tangier flavor, mix ketchup with a little mustard or barbecue sauce. You can also skip it or use a sugar-free version if you’re watching sugar intake.
How Do I Shape the Meatloaf to Keep the Cheese Inside?
Shaping the meatloaf correctly is crucial to hide that delicious cheddar. Start by forming half of the meat mixture into a loaf. Make sure to press it firmly but not too hard—this will help keep its shape without making it dense.
- Once it’s shaped, evenly distribute cheese in the center, leaving some space around the edges.
- Gently mold the remaining mixture over the cheese, pinching the edges to seal it well.
- This will prevent the cheese from leaking out during baking, allowing you to enjoy a surprise cheesy bite with every slice!
Take your time with this step for best results. Trust me, the cheesy center will be worth it! 🍽️

How to Make Cheddar-Stuffed Meatloaf
Ingredients You’ll Need:
- 1 1/2 lbs ground beef
- 1/2 cup breadcrumbs
- 1/4 cup milk
- 1 small onion, finely chopped
- 2 cloves garlic, minced
- 1 large egg
- 1 tsp salt
- 1/2 tsp black pepper
- 1 tsp Worcestershire sauce
- 1/2 tsp dried thyme (optional)
- 1 cup shredded sharp cheddar cheese
- 1/4 cup ketchup (for topping)
- Fresh parsley, chopped (for garnish)
How Much Time Will You Need?
This delicious cheddar-stuffed meatloaf takes about 15 minutes to prepare and 60-70 minutes to bake in the oven. Add on a few minutes for resting time before slicing. In total, you can expect it to take around 90 minutes from start to plate!
Step-by-Step Instructions:
1. Preheat the Oven:
First, preheat your oven to 350°F (175°C). This is key for getting that perfect bake on your meatloaf!
2. Mix the Ingredients:
In a large bowl, combine the breadcrumbs and milk. Let it soak for about 5 minutes to soften up. Then, add the ground beef, chopped onion, minced garlic, egg, salt, pepper, Worcestershire sauce, and optional dried thyme. Mix gently until everything is just combined. It’s important not to overmix to keep the meatloaf nice and tender!
3. Shape the Meatloaf:
On a clean surface or a large piece of parchment paper, take half of the meat mixture and shape it into a loaf. Try to make it as even as possible. Next, sprinkle the shredded cheddar cheese evenly over the top, leaving about 1/2 inch around the edges free of cheese.
4. Stuff and Seal:
Carefully top the cheesy layer with the remaining meat mixture and gently shape it to seal in the cheese. Make sure there are no gaps where the cheese can escape!
5. Prepare for Baking:
Place your stuffed meatloaf onto a baking tray or in a loaf pan. This will help catch any drippings. Now, spread the ketchup evenly over the top for a tasty glaze.
6. Bake the Meatloaf:
Place the meatloaf in the preheated oven and bake for 60-70 minutes. To be sure it’s done, check that the internal temperature has reached 160°F (71°C) using a meat thermometer.
7. Rest, Slice, and Serve:
When it’s done baking, carefully remove the meatloaf from the oven and let it rest for about 10 minutes. This will help it hold its shape when you slice it. After resting, cut it into slices, garnish with fresh chopped parsley, and enjoy this comforting meal!
This recipe is sure to impress and bring smiles to the dinner table, with a delicious cheesy surprise in every slice! Enjoy! 🎉
Can I Use Turkey or Chicken Instead of Beef?
Absolutely! Ground turkey or chicken is a great leaner alternative. Just keep in mind that these meats can be a bit drier, so you might want to add a little extra moisture, like an additional tablespoon of milk or a splash of broth.
How Can I Store Leftover Meatloaf?
Leftover meatloaf can be stored in an airtight container in the fridge for up to 3-4 days. To reheat, simply microwave slices or warm them in the oven. For longer storage, you can freeze it for up to 3 months – just wrap it tightly in plastic wrap and then in foil!
What Can I Substitute for Breadcrumbs?
If you don’t have breadcrumbs, crushed crackers, panko, or even oats can work well as substitutes. Just remember to adjust the liquid in the recipe as needed to maintain the right texture.
Can I Add Vegetables to the Meatloaf?
Definitely! Finely chopped vegetables like bell peppers, carrots, or zucchini can add flavor and moisture. Just be sure to sauté them first to reduce their moisture and prevent the meatloaf from becoming too wet.



