Healthy Pumpkin Chocolate Chip Bread

I’m feeling rather sheepish about this Pumpkin Chocolate Chip Bread.

The most moist and flavorful Pumpkin Chocoalte Chip Bread. This healthy pumkin bread is whole wheat and made with coconut oil, but tastes phenomenal!

You see, I’ve been baking and perfecting this particular recipe for Pumpkin Chocolate Chip Bread for almost seven years, but in more than three years of blogging, I’ve never shared it.

This Pumpkin Chocolate Chip Bread is positively wonderful, the best pumpkin bread I’ve ever baked or eaten, and a recipe I became known for during the years I worked at Target’s corporate headquarters. Yet, for a variety of invented reasons, I procrastinated publishing it.

Chocolate Chip Pumpkin Bread. SO moist and filled with warm spices, lots of pumpkin flavor, and melty dark chocolate. Made with whole wheat flour and coconut oil, it's a healthy pumpkin bread recipe too!

Perfect Pumpkin Chocolate Chip Bread. Incredibly moist and filled with fall spices. Made with whole wheat flour and coconut oil this healthy pumpkin bread recipe is good for you too!

My first invented reason was I thought it would bore you. Do you really need another recipe for something so basic as pumpkin chocolate chip bread, when so many recipes already exist?

Of course, all of my co-workers who raved that this was the best pumpkin chocolate chip bread they’d ever eaten (and begged me to bring it for team breakfast in July) had already tried many versions of pumpkin bread too, yet they still insisted I make this one in particular. Clearly, this pumpkin chocolate chip bread recipe has something unique to offer

Then, I told myself that it was too early for pumpkin. My Pinterest feed disagreed. It’s a pumpkin palooza every time I log in. My second excuse fell flat.

Finally, I came to the real reason that I was hesitant to share this pumpkin chocolate chip bread recipe: it had been too long. I’ve been baking this pumpkin chocolate chip bread at least three times per fall since 2008, yet after three years of blogging, I hadn’t posted the recipe. Are you familiar with the sentiment that longer you wait to call an old friend, the more hesitant you become to do so? That is how I felt about this pumpkin chocolate bread.

Healthy Pumpkin Chocolate Chip Bread

Well, I’m picking up the phone at last. All my delaying has accomplished is to keep this incredible pumpkin chocolate chip bread recipe from your life, an omission I now recognize as borderline criminal. This pumpkin chocolate chip bread is everything, everything pumpkin bread can and should and must be.

It’s is incredibly moist and tender, uses an unapologetic amount of pumpkin (none of this “half-cup” business found in most recipes—I want my pumpkin chocolate bread to taste like pumpkin and not leave me with an awkward amount leftover in the can), and it smells and tastes like fall. The spices are warm and rich, the oats add an incredible texture that you’ll never want your future pumpkin bread to be without, and the melty dark chocolate chips raise the pumpkin bread satisfaction level from “high” to “transcendent.”

PERFECT Pumpkin Chocolate Chip Bread. So moist and tastes just like fall! A healthy pumpkin bread recipe made with whole wheat flour, oats and coconut oil. Feels great and tastes even better!

One fact I will divulge to you about this pumpkin chocolate bread that I never mentioned to my co-workers is that it’s healthy. The recipe is 100% whole grain, contains a moderate amount of sugar (especially when compared with standard pumpkin bread recipes), and contains only a scant 2 tablespoons of coconut oil (by comparison, I found some popular pumpkin bread recipes that contained four times as much). Because this healthy pumpkin bread recipe has SO MUCH PUMPKIN, it’s insanely moist on its own, no excess oil required.

Pumpkin Chocolate Chip Bread. Incredibly moist with lots of pumpkin flavor and spice!

I’m sorry I waited so long to share this wonderful recipe for healthy pumpkin chocolate chip bread with you. Let’s both devour a few extra slices to make up for lost time. It’s one of my favorite things to bake in the fall, and I hope that you love it as much as I (and my former co-workers) all do. Have a slice or three, call an old pal, and forgive me?

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Healthy Pumpkin Chocolate Chip Bread

Incredibly moist pumpkin chocolate chip bread that tastes like fall. With lots of warm spices, chocolate, and oats, this is the best healthy pumpkin bread!

Yield: 1 9x5-inch loaf

Total Time: 1 hour, plus cooling time


  • 1 1/3 cups whole wheat pastry flour or white whole wheat flour

  • 1 cup old fashioned rolled oats, plus additional 1-2 tablespoons for sprinkling on top

  • 1 teaspoon baking powder

  • 1 teaspoon baking soda

  • 1 teaspoon ground cinnamon

  • 1/4 teaspoon ground all spice

  • 1/4 teaspoon ground nutmeg

  • 1/4 teaspoon kosher salt

  • 2 large eggs

  • 1/2 cup lightly packed brown sugar

  • 2 tablespoons melted and cooled coconut oil, light olive oil, or canola oil

  • 1/3 cup, plus 1 1/2 tablespoons non-fat milk, unsweetened almond milk, or unsweetened soymilk

  • 1 1/4 cups unsweetened pumpkin puree (NOT pumpkin pie mix)

  • 2/3 cup dark chocolate chips (I love Ghirardelli), plus additional for sprinkling on top


  1. Place rack in the center of your oven and preheat the oven to 350 degrees F. Lightly coat a 9x5-inch baking pan with cooking spray and set aside.

  2. In a medium bowl, whisk together the flour, 1 cup oats, baking powder, baking soda, cinnamon, all spice, nutmeg, and salt. Set aside.

  3. In a large, separate bowl, beat together the eggs, brown sugar, and oil on medium speed until combined. Add the milk and pumpkin and beat again until evenly combined. Add the dry ingredients, then gently stir them in by hand, just until combined. Do not over mix. Fold in the chocolate chips.

  4. Pour the batter into the prepared pan. Smooth the top, then sprinkle with oats and chocolate chips. Bake the loaf for 45 to 50 minutes, until a toothpick inserted in the center comes out clean. Place the pan on a cooling rack, then let the bread cool in the pan for 10 minutes. Gently turn the loaf out onto the rack to cool completely.

Store leftover pumpkin bread in an airtight container lined with paper towels for up to 4 days at room temperature or 7 days in the refrigerator. It can be frozen, wrapped tightly and placed in a ziptop bag, for up to 3 months. Thaw overnight in the refrigerator and bring to room temperature prior to serving.

You will have a small amount of pumpkin leftover. Try it mixed into oatmeal with a bit of maple syrup, cinnamon, and pecans or walnuts for a lovely fall breakfast.

All images and text ©/Well Plated.

About Erin Clarke

I'm fearlessly dedicated to making healthy food taste incredible. Wearer of plaid, lover of bourbon, and firmly convinced that sweets and veggies both deserve a place at the table. MORE ABOUT ERIN...


  1. I feel the same way about producing recipes that are in abundance on the web already. But I say it’s always worth it! Especially when it is something you know that has brought joy to so many others! This bread looks fantastic and I am always up for trying another version of a recipe! Pinning for later when this weather starts to cool off just a bit more! ;-)

  2. As always, you nailed it, Erin! I have so many of your recipes that I need to make! My boyfriend has Celiac Disease, and this will be super easy to make gluten free. ‘Pumpkin everything’ season is upon us – yay! :)

  3. Who doesn’t love pumpkin and chocolate together?  And it is never too early for pumpkin!  Make this today — looks awesome!

  4. I will gladly devour some slices to make up for lost time ;)

  5. I will definitely be making this… thank you! Any chance you’ve tried substituting Almond  or Almond/Coconut Milk for the Milk?  I won’t try it the first time, but might play with that idea…

  6. I can’t wait to make this!!! I don’t care that it’s still 80 degrees out. PS: your photography of this is beautiful 

  7. haha I totally forgive you :) This bread looks amazing! I really need to start baking with pumpkin this season … all these recipes I’m seeing are making me crave it!

  8. can I admit something totally terrible? I’ve all but perfected the BEST tomato sauce (with help from my lovely gma, of course) and even though I make it almost every Sunday Oct – Feb, I haven’t shared it on my blog and ugh, I don’t think I’m going to!! Some recipes I just want for myself :)  But lucky for me you’re not nearly as selfish, so YAY for this amazing azz looking pumpkin bread, I can see the tenderness through the screen! x

  9. This looks fabulous! Your photos are lovely- pinning!

  10. Oh this does look really good!! 

  11. I love “secretly healthy” recipes, the ones people LOVE but won’t believe you when you tell them it’s actually good for them haha. I didn’t know you used to work for Target, how fun! Well, maybe it wasn’t but love their stores (at least the Australian ones!). Your coworkers were lucky to have you then and now we can all enjoy this bread!

  12. We are on the same pumpkin/breakfast wavelength and I LIKE IT. Trade you some muffins for a few slices of this lovely loaf! :)

  13. I love this Erin!  Your post and the bread.  I am especially excited for the unapologetic pumpkin.  I hate recipes that have less than 1/2 a cup worth of the main ingredient in the title!  Your writing brought a big smile to face.  I found it so relatable. 

  14. Do you have the nutritional information for this bread? This bread looks SO delicious! :)
     Thank you!!

  15. If it’s pumpkin bread perfection, then yes, we must have the recipe. Sometimes, things are just worth waiting for. Love this moist loaf o’ bread. Pinned.

  16. Yes, this looks amazing! So glad you decided to post it after all that time! I’ve never had chocolate in my pumpkin bread before but I’m sure it’s amazing! I love that there is very little sugar and oil in this! Can’t wait to try! 

  17. Nothing beats a fantastic pumpkin bread!! :) So glad you decided to FINALLY share it!

  18. Can’t wait to try this!

  19. This looks amazing, can’t wait to try it!  You always have the best recipes!!  Thanks for posting!

  20. I just made this today and it is delicious!  I made it exactly as written, minus sprinkling extra oats on top.  It is very yummy and moist and I love the dark chocolate chips in it!  I might add an extra two tablespoons of brown sugar to it next time because I prefer slightly sweeter pumpkin breads, but man, this stuff really is great as is!  I loved the oats and whole wheat pastry flour because it really helped fill me up.  But I especially LOVED that it used 1 1/4 cups pumpkin!  So many times I find recipes that call for 1/2 cup or maybe 3/4 cup, but I feel like I want more nutrition in my bread from the pumpkin!  So, nice job incorporating so much pumpkin into this recipe, that’s awesome.  This blog is turning into one of my faves!  I first discovered your blog about 3 weeks ago and I’ve already made 4 recipes from it!  THANKS!

  21. Hi Erin!  I made this bread this afternoon and it was delicious!  If I were to make it again without chocolate chips (I know – gasp!  It would be for my toddler), would I need to alter the recipe at all by adding more oats / flour?  Thanks :) 

  22. Well done Erin! After all those raving reviews from your colleagues, the message is clear – this pumpkin bread is special and definitely worth sharing with your loyal readers. Your photos are just perfect! 

  23. Love the addition of oats!  Have you ever made this recipe as muffins?

  24. Hey Erin!

    This recipe looks delicious! Pumpkin + chocolate is one of my all time favorite combinations! Do you know how many servings this loaf makes? I can’t wait to try it! 

  25. Also, did you use whole wheat pastry flour or white whole wheat in the picture above? What is the difference between them?

  26. Hey Erin! I’m buying the ingredients to make this recipe this weekend and was wondering if I can substitute pumpkin pie spice for the cinnamon, nutmeg, and all spice. If so, what is the conversion? Thanks so much! :)

  27. I just made this recipe and it came out SO well! It is my favorite dessert recipe to date and my hubby and I gave it a 10/10! The only changes I made were using 1/4 tsp pumpkin pie spice in place of the all spice and I used 2% milk since that’s what we had on hand. I used the 60% cacao dark chocolate Ghirardelli chips and it was like pumpkin chocolate heaven in my mouth! Thanks so much for posting this recipe! :)

  28. Do you think there would be an appropriate substitute for the brown sugar (like banana and honey maybe)?

  29. Just made this – delicious!! Seriously. And not too sweet! It’s going to be my new go to fall bread.

  30. Just made this recipe into muffins!  Got 10 nice size muffins, baked for 22 min at 350.   Turned out great!  NIce and moist, love how much pumpkin is in these!  Thanks for the recipe!

  31. What a great recipe. Thanks for sharing. This will be my go to pumpkin bread recipe now!

  32. Hi- Can I use quick oats in place of old fashioned? It’s all I have and I’d like to try this soon! Thanks!

  33. Great fall loaf. I’ve probably made a half dozen of these now, friends love them! (Confession, I modified and upped the spice.) Also, these are my new go-to muffins. A recipe makes 12 perfect muffins, great for a morning snack!

  34. Lindsay Taylor Collen Reply

    can u make them into muffins instead of bread???

  35. I am out of coconut oil. Can I use applesauce or Canola/vegetable oil? 

  36. Erin, I am happy to say that I finally started my holiday baking last night ;-) (yes, I’m aware that it’s February) and this was the first recipe in the queue. My husband and I limited ourselves to two slices each but we can’t wait to have more after work today! Truly delicious, right on the perfect edge of sweet and savory with the chocolate chips pushing it ever so slightly into sweet territory. Thanks for all your meticulous testing and for finally sharing this old friend with all of us!

  37. This bread is too tasty to be healthy, but I’m glad it is.  Thanks for sharing the recipe!

  38. Followed the recipe exactly as printed but my loaf tasted ok. Is it suppose to taste bland or I did something wrong?

  39. All is forgiven! It’s clearly NEVER too late to share a great recipe, obvious as I’ve just stumbled upon this one year after you posted it! This looks amazing and I cannot wait to try it. As the season of indulgences has begun, I’m excited to read that the ingredients and flavour in this loaf comes from hearty and healthy ingredients! Thanks Erin!!! 

  40. It’s truly awesome. 

    How many servings does it make? Do you have the calorie count of this recipe?

    • Hi Molly! This recipe yields 1 loaf—the number of servings would depend upon the size of your slices. I’d say this recipe yields about 10, but if you cut them larger or smaller, that will vary. Regarding nutritional info, this is something that I’ve actually started adding to all of my new recipes, effective January 2016 (you’ll see it in the recipe box at the bottom). Unfortunately, it’s pretty time consuming, so I’m unable to go back and add it to past recipes. If you’d like the nutritional info for any of my older recipes (or really any other recipe or food), you can actually calculate it yourself for free at (this is how I calculate the new recipes on my blog). I’m sorry I can’t give you the information for this exact recipe, but I hope that My Fitness Pal will be a helpful resource for you.

  41. If you wanted to make this gluten free could you sub almond or coconut flour instead of the whole wheat pastry flour or white whole wheat flour?

    • Hi Stephanie! Sadly, no. Those two flours behave very differently than wheat flour. I’d suggest a 1:1 flour substitute baking blend like this one. I’ve never tried it, so it would be an experiment, but you can certainly play around!

    • Hi Stephanie, may i know if u had tried to sub almond or coconut flour instead of the whole wheat pastry flour or white whole wheat flour? Did it go well? Thanks:)

  42. Christine Gosselin Reply

    This turned out to be a delicious bread. 

    Rating: 5
    • I’m so glad to hear you enjoyed the bread, Christine! Thank you so much for taking the time to let me know how it turned out.

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