Cheese-Stuffed Meatloaf

A classic meatloaf with a delicious surprise in the center…cheese!

O.K, I have a confession to make. I seriously love meatloaf. I’m not sure why I feel embarrassed to admit that. It’s probably because the name of the food, the meatloaf thing doesn’t sound very appealing. And maybe also because the recipe is so old school, and not in a good way. Although, come to think of it, I’ve been seeing meatloaf on some fancy restaurant menus lately. Maybe it is a retro cool dish. Oh wow. Look at me. I’m trendy after all.

Whether I’m a trendsetter or not, my love of meatloaf drove me to create the perfect meatloaf recipe. It’s so good that I’ve made it twice in October already. The second time I made it, I decided to do things a bit differently. I stuffed it with cheese!

That’s cheese-stuffed meatloaf is the one I have for you today. But do check out that perfect meatloaf recipe for tons of great meatloaf tips and tricks.

How to Stuff Meatloaf with Cheese

Transfer your meat mixture to a foil-lined baking sheet. Shape into a 10×5 inch loaf and then I make a trench in the center. Go far down but leave a good inch of meat at the bottom. (Note, I doubled the recipe here and made two loaves, which is why you see two loaves in the picture)

Add your cheese. I used cubed cheese because I thought shredded might melt too quickly and escape. It worked really well and there was very little leakage. However, I haven’t done a test with shredded cheese to see if it would be worse. I figured, it worked with the cubes, why risk it? Here you have 4 ounces of 1/2 inch cheese cubes (about 20 cubes).

Smooth the meat up, around and over the cheese.

Bake it at 350°F for 45 minutes. Then add tomato sauce and shredded cheese to the top and bake until the internal temperature is 160°F (use an instant-read thermometer to check this), about another 15 minutes.

After that, it is crucial (CRUCIAL!) that you let it rest for at least 10 minutes, 15 is better. Just take the pan out of the oven and put it on a pot holder on the counter and leave it there. The resting time lets all the juices settle a bit so that the meatloaf is easier to slice and so that the slices hold their shape. Don’t worry, it will still be hot and full of melted cheese when you cut into it.

Once it has rested, use two large spatulas to transfer the meatloaf to a cutting board. If you choose a nice board, you can slice it and serve it from there. When it comes to slicing, consider using an electric knife. You don’t have to exert as much downward pressure so the slices stay really nice and intact and you can get away with make thinner slices.

There you have it. A delicious meatloaf with a oozing melted cheese filling. Who could ever say no to that?

Cheese-Stuffed Meatloaf

Cheese-Stuffed Meatloaf

  • Author: Christine Pittman
  • Prep Time: 15 minutes
  • Cook Time: 60 minutes
  • Total Time: 1 hour 15 minutes
  • Yield: 6 servings


A classic meatloaf with a delicious surprise in the center.


  • 1 Tbsp. cooking oil
  • 1 small onion, chopped
  • 2 lbs. lean ground beef
  • 1/2 cup dry breadcrumbs
  • 2 Tbsp. ketchup, divided
  • 1 Tbsp. Worcestershire sauce
  • 2 tsp. Italian seasoning
  • 1/2 tsp. garlic powder
  • 1 egg, lightly beaten
  • 4 oz. mozzarella cheese, cubed (it’s about 20-1/2inch cubes)
  • 1/2 cup tomato sauce (basic marinara)
  • 1 cup shredded mozzarella cheese


  1. Preheat oven to 350F.
  2. Heat the oil in a medium skillet over medium heat. Add the onion and saute until softened, about 5 minutes.
  3. Transfer onion to a large bowl.
  4. To the bowl add ground beef, breadcrumbs, ketchup, Worcestershire sauce, Italian seasoning, garlic powder and egg. Use your hands to squeeze and knead the meat until the seasonings are all mixed through. Do not overmix.
  5. Line a large baking sheet with foil.
  6. Transfer meat to baking sheet and shape into a 10x5inch loaf.
  7. Make a 2 inch wide trench in the loaf (see image above in post). Go down deep into the loaf but leave at least 1 inch of meat on the bottom.
  8. Add cheese cubes to the trench. Use hands to smooth meat up and over cheese.
  9. Bake for 45 minutes.
  10. Remove meatloaf from oven and spread with tomato sauce and top with shredded cheese.
  11. Return meatloaf to oven and bake until internal temperature on an instant read thermometer is 160F, 10-20 more minutes.
  12. Remove meatloaf from oven and let rest for 10-15 minutes.
  13. Slice and serve.
Disclosure: This post contains Amazon affiliate links meaning that if you click on one and buy something I will receive a small commission at no additional charge to you. All opinions are honest and my own.

A classic meatloaf with a delicious surprise in the center.

36 Responses to “Cheese-Stuffed Meatloaf”

  1. Debbie Yoder — December 26, 2019 @ 5:47 pm (#)

    Oh my,this looks so good !We love meatloaf at our house and Im going to try this with the cheese!

    • Christine Pittman — December 30, 2019 @ 4:53 pm (#)

      Thank you, Debbie! You’ll love it!

  2. Saundra K. Warren — December 26, 2019 @ 8:28 am (#)

    sounds simple enough

    • Christine Pittman — December 30, 2019 @ 4:50 pm (#)

      Thanks, Saundra!

  3. Cheryl — December 25, 2019 @ 3:41 pm (#)

    I love meatloaf. What could be better than a cheese stuffing?

    • Christine Pittman — December 30, 2019 @ 4:45 pm (#)

      I can’t think of anything better, Cheryl! :)

  4. Jennifer Phillips — December 24, 2019 @ 8:52 pm (#)

    OMG this was so yummy!!

    • Christine Pittman — December 30, 2019 @ 4:37 pm (#)

      YAY! So happy you liked it, Jennifer!

  5. Deborah Waddell — December 23, 2019 @ 9:05 am (#)

    I shredded cheese into my meatloaf mix for years. I’ve never made a center cavity for the cheese, that would be different and easier!

    • Christine Pittman — December 23, 2019 @ 1:33 pm (#)

      Let us know which way you end up liking better, Deborah!

  6. Rebekah Kalinowski — December 23, 2019 @ 8:02 am (#)

    It’s like cheeseburgers for a crowd!

    • Christine Pittman — December 23, 2019 @ 1:32 pm (#)

      Yeah! Enjoy, Rebekah!

  7. Andrea Hatfield — December 23, 2019 @ 1:19 am (#)

    This looks SO good! My sons won’t eat traditional meatloaf. Maybe they would eat this one!

    • Christine Pittman — December 23, 2019 @ 1:32 pm (#)

      Maybe the cheese will win them over! Thanks, Andrea!

  8. Sarah L — December 18, 2019 @ 9:34 pm (#)

    That’s a fun way to make a meatloaf. Would be good with the cheese inside.

    • Christine Pittman — December 23, 2019 @ 1:00 pm (#)

      Thanks, Sarah!

  9. Angelica — December 15, 2019 @ 4:17 pm (#)

    Well this is sure to be a big hit in my house! It’s like the meatloaf and cheeseburgers had a baby, sounds delicious! I’ve never once put cheese on or in my meatloaf and I’m ashamed with myself for it. LOL.

    • Christine Pittman — December 17, 2019 @ 10:13 am (#)

      Haha, never too late to try it out, Angelica!

  10. Judy Gregory — December 5, 2019 @ 11:17 pm (#)

    Oh, I have GOT to try this.

    • Christine Pittman — December 9, 2019 @ 10:26 am (#)

      Please do! Enjoy, Judy!

  11. Judith Geiger — December 2, 2019 @ 4:27 pm (#)

    I love meatloaf and this looks so yummy. I can’t wait to try it!

    • Christine Pittman — December 5, 2019 @ 10:26 am (#)

      Thanks, Judith!

  12. Sarah L — December 1, 2019 @ 9:27 pm (#)

    As far as I’m concerned, cheese makes just about anything better. Looks yummy.

    • Christine Pittman — December 2, 2019 @ 1:50 pm (#)

      I totally agree, Sarah!

  13. Amanda B. — November 29, 2019 @ 8:25 am (#)

    Now I want meatloaf and mashed potatoes! This looks delish!

    • Christine Pittman — November 29, 2019 @ 10:21 am (#)

      Thanks, Amanda!

  14. Sandy — November 28, 2019 @ 10:57 am (#)

    I am going to experiment with this and try to cook it on our Trager. We have done meatloafs before that way but never with cheese.

    • Christine Pittman — November 29, 2019 @ 10:13 am (#)

      Awesome, Sandy! Tag @cookthestory on Insta when you make it so we can see!

  15. Anita Kennett — November 26, 2019 @ 1:25 pm (#)

    This is a wonderful idea,thanks😃😃😃

    • Christine Pittman — November 27, 2019 @ 1:31 pm (#)

      You’re welcome, Anita!

  16. Natalie Vandenberghe — November 26, 2019 @ 12:16 am (#)

    Your recipe sounds so delicious–I’m craving meatloaf now!

    • Christine Pittman — November 27, 2019 @ 1:20 pm (#)

      Better get cooking then, Natalie! Thanks!

  17. Christina O — November 25, 2019 @ 8:13 pm (#)

    This sounds so good.

    • Christine Pittman — November 27, 2019 @ 1:14 pm (#)

      Thanks, Christina!

  18. Jennifer Stapp — November 25, 2019 @ 1:02 pm (#)

    oh my goodness that looks so delicious! I never even thought of smothering meatloaf in cheese!

    • Christine Pittman — November 27, 2019 @ 12:46 pm (#)

      Thanks, Jennifer! I’m a big believer in covering things with cheese! :)

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