Let’s dive in—first we’ll explore why this cheesy twist sings comfort, walk through the easy steps, share practical variations, answer your top questions, and wrap up with a cozy conclusion that leaves you smiling.

Table of Contents
Why Southern‑Style Cheesy Meatloaf Hits the Comfort Sweet Spot
This meatloaf is a love letter to Southern comfort. The melted cheddar brings a gooey richness, and crushed crackers add a tender texture you won’t forget. It’s soul-soothing without being fussy—better than standard meatloaf yet still homey. Every slice combines flavor, warmth, and soft crunch in one bite. It’s a level up from traditional recipes, delivering nostalgia and innovation in one dish. It reminds me of the cozy approach behind Grandma’s Secret Meatloaf—same affection, extra cheese.
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Southern‑Style Cheesy Meatloaf
- Total Time: 60 minutes
- Yield: 4–5 servings
Description
This southern-style cheesy meatloaf brings melty cheddar and crushed cracker goodness into every bite. A comfort food favorite that’s easy, hearty, and family-approved.
Ingredients
1 lb ground beef (80% lean)
1/2 cup shredded cheddar cheese
1/2 cup crushed buttery crackers (e.g., Ritz)
1/3 cup finely diced onion
1 large egg, beaten
1/4 cup ketchup (optional for glaze)
Instructions
1. Preheat oven to 350°F (175°C).
2. Grease or line a loaf pan with foil.
3. In a large bowl, gently mix together beef, cheddar, crushed crackers, onion, and egg until just combined.
4. Transfer mixture to the loaf pan and shape evenly.
5. Spread ketchup on top, if using.
6. Bake for 45–50 minutes or until internal temperature reaches 160°F.
7. Let rest 10 minutes before slicing and serving.
Notes
Avoid overmixing to keep the meatloaf tender.
Use sharp cheddar for more flavor punch.
Great for meal prep—freezes well after baking.
- Prep Time: 10 minutes
- Cook Time: 50 minutes
- Category: Dinner
- Method: Baked
- Cuisine: Southern American
Nutrition
- Serving Size: 1 slice
- Calories: 370
- Sugar: 4g
- Sodium: 580mg
- Fat: 22g
- Saturated Fat: 10g
- Unsaturated Fat: 9g
- Trans Fat: 0g
- Carbohydrates: 10g
- Fiber: 1g
- Protein: 27g
- Cholesterol: 100mg
Keywords: southern cheesy meatloaf, comfort food, cheddar meatloaf
Simple Ingredients & Easy Prep for That Southern Flair

Here’s how to bring those flavors together with minimal effort:
Ingredient | Quantity |
---|---|
Ground beef (80% lean) | 1 lb |
Shredded cheddar cheese | ½ cup |
Crushed buttery crackers (e.g., Ritz) | ½ cup |
Onion, finely diced | ⅓ cup |
Egg, beaten | 1 |
Ketchup or glaze (optional) | ¼ cup |
Crackers stand in for breadcrumbs, adding subtle richness and a tender crumb. If you’re ever craving a simpler version, my Easy 1‑Pound Meatloaf strips back to basics without losing comfort.
How to Pull Off the Perfect Cheesy Loaf
- Preheat your oven to 350 °F (175 °C).
- Line or lightly grease a loaf pan.
- Gently fold together the beef, cheddar, crushed crackers, onion, and egg until just combined.
- Shape the mixture into the pan.
- If you like, spread ketchup on top for a classic touch.
- Bake 45–50 minutes until internal temperature reaches 160 °F.
- Let rest 10 minutes to solidify and preserve juiciness.
Letting it rest means slices glide out clean, melty, and memorably comforting. This tune-up raises cozy flavor just like the sweet-savory balance of my Brown Sugar Glazed Meatloaf does in a different direction.
Twists, Serving Tips & FAQs
Variations & Serving Ideas
Swap in sharp cheddar or a southern favorite like Colby‑jack. Add diced bell pepper, garlic powder, or fresh herbs to deepen the flavor. Serve it with creamy mashed potatoes, greens, or warm cornbread to lean fully into Southern comfort. Need a small-batch twist? My Mini Meatloaf Muffins offer the same essence, but in fun, snackable form.
FAQ
Can I freeze this meatloaf?
Yes—baked or unbaked, wrap tightly and freeze for up to 3 months. Thaw in the fridge before cooking or reheating.
How to keep it moist?
Don’t overmix, and let it rest after baking. Crackers and cheese lock in moisture beautifully.
Can I prep it ahead?
Absolutely—mix and form in the pan, then cover and chill up to 6 hours before baking.
Safe internal temp?
Ready at 160 °F internal, finish near 165 °F after resting—you’ll get juicy, cooked-through slices.
This Southern‑Style Cheesy Meatloaf balances rich cheddar, tender crackers, and rustic charm. It’s comforting, cheesy, and feels like home—without hassle. Think of it as a Southern hug baked right into every slice.
Rest it, plate it, and serve it with your favorite sides. With minimal effort and maximum comfort, this meatloaf becomes a highlight—even on busy nights.