Cheesy Loaded Meatloaf Casserole

Section: Satisfying Main Dishes for Every Occasion

This satisfying casserole layers seasoned ground beef, creamy mashed potatoes, and a generous amount of melted cheddar cheese. Crisp bacon and fresh chives add smoky and fresh flavor notes, while simple pantry ingredients keep preparation easy. The dish bakes until bubbly and golden, resulting in a comforting meal that delights at weeknight dinners or potlucks. Flexible for dietary needs, you can swap out protein and cheese, or load up with veggies for a nutritious spin. Serve with steamed vegetables or salad for a balanced, crowd-pleasing meal the whole table will love.

A woman wearing a chef's hat and apron.
Recipe Author Maria
Updated as of Tue, 10 Jun 2025 19:50:11 GMT
A close up of a cheesy meatloaf casserole. Bookmark
A close up of a cheesy meatloaf casserole. | foodbymary.com

This cheesy loaded meatloaf casserole is the definition of true comfort food. With tender layers of well-seasoned ground beef, creamy mashed potatoes, and a gooey melted cheese topping, it turns any family night or potluck into a celebration. I love how it takes all the classic coziness of meatloaf and upgrades it with casserole convenience – all in one pan.

I first made this recipe for a Sunday family dinner when everyone wanted something hearty and shareable. Since then my kids ask for it by name whenever cheesy comfort is in order.

Ingredients

  • Ground beef: Look for lean beef with some fat for flavor Try not to use extra fatty blends to avoid oily casserole
  • Optional ground pork: Adds depth and richness Choose freshly ground for best results
  • Onion: Finely diced Sweet or yellow onions work best Avoid pre-chopped for fresher flavor
  • Garlic: Minced for true aroma Fresh cloves give a bigger punch than pre-minced
  • Egg: Acts as a binder Large eggs make it hold together
  • Seasoned breadcrumbs: Help absorb moisture and add seasoning Look for unflavored or Italian style
  • Worcestershire sauce: Boosts savory umami Taste before adding extra salt
  • Shredded cheddar cheese: Melty and tangy The sharper the better
  • Cottage cheese: Helps keep mixture creamy and adds moisture Use small curd for best texture
  • Thick cut bacon: Crumbled for finish Look for thick slices that crisp well
  • Potatoes: Yukon Gold or Russet make the best mashed potatoes Choose firm potatoes without green spots
  • Butter: Full-fat unsalted brings out flavor
  • Sour cream: Makes potatoes luxuriously creamy Check date for extra tangy and fresh taste
  • Half-and-half: Adds silkiness Use cream for richer mash if you like
  • Salt and pepper: Freshly cracked black pepper and kosher salt round out flavors

Step-by-Step Instructions

Prepare the Meat Mixture:
Combine ground beef ground pork if using finely chopped onion minced garlic egg seasoned breadcrumbs Worcestershire sauce and cottage cheese in a large bowl. Mix until just combined using hands or spatula. Do not overwork to keep it tender.
Spread the Meat Base:
Press the meat mixture into an even layer in a lightly greased 9 by 13 inch baking dish. Smooth the top and press gently for a firm base. This ensures a neat slice later.
Make the Mashed Potatoes:
Peel and cut potatoes into equal chunks. Simmer in salted water until fork tender about 12 to 15 minutes. Drain thoroughly and mash with butter sour cream and half-and-half adding salt and pepper to taste. Whip until creamy and fluffy.
Layer the Casserole:
Spread mashed potatoes evenly over the meat base all the way to the edges. Sprinkle most of the shredded cheddar cheese evenly on top. Gently press the cheese into the potatoes for even melting.
Add Toppings and Bake:
Sprinkle crumbled bacon and reserved cheese over the top. Cover casserole with foil and bake in a preheated 375 degree oven for 30 minutes. Uncover and bake 10 to 15 more minutes until the cheese is golden and bubbly and casserole is heated through. Check with a thermometer for 160 degrees internal temp in the center.
Rest and Serve:
Let casserole sit for at least 10 minutes before slicing. This helps all the layers set and makes for neater portions. Garnish with chopped fresh parsley or chives if desired.
A cheesy loaded meatloaf casserole is ready to be eaten. Bookmark
A cheesy loaded meatloaf casserole is ready to be eaten. | foodbymary.com

My favorite part about this casserole is the cheesy top that crisps up in the oven It reminds me of childhood dinners when everyone grabbed for the brown bubbly corners first My family always fights over who gets the cheesiest slice

Storage Tips

Cool the casserole completely before refrigerating to keep layers intact. Store leftovers in an airtight container in the fridge for up to three days. For longer storage wrap portions tightly and freeze for up to two months. Reheat from chilled in a covered dish at 350 degrees until hot or microwave single servings as needed. For frozen casseroles thaw overnight before reheating for best texture.

Ingredient Substitutions

If you want a lighter twist swap ground turkey or chicken for beef and try low-fat cheese blends. Mashed cauliflower can stand in for potatoes to lower carbs without losing creaminess. For gluten-free use almond flour or gluten-free breadcrumbs as binders and double check your Worcestershire sauce label.

A casserole with meat and cheese. Bookmark
A casserole with meat and cheese. | foodbymary.com

Serving Suggestions

This casserole makes a meal on its own but is even better with bright sides like steamed green beans roasted broccoli or a crisp garden salad. A loaf of garlic bread or some fresh dinner rolls turns it into a feast. Individual ramekins make this a fun dinner party option too.

Cultural and Historical Notes

Homey meatloaf and casseroles have roots in American and European kitchens alike. This recipe brings together the best of both worlds giving you the nostalgia of old-fashioned meatloaf with the crowd-friendly shareability of a casserole. It is a modern potluck hero and makes a timeless centerpiece for Sunday dinners or family gatherings.

Frequently Asked Questions

→ What makes this casserole so comforting?

It's the combination of savory ground meat, creamy mashed potatoes, melted cheese, and crispy bacon, merged into one hearty dish that brings cozy, familiar flavors to the table.

→ Can I prepare it ahead of time?

Absolutely! Assemble in advance and refrigerate until ready to bake. It also freezes well, making it perfect for meal prep or busy nights.

→ How can I lighten or customize the dish?

Try lean turkey or chicken instead of beef, add chopped veggies to the meat mixture, or use low-fat cheese. Swapping mashed potatoes for mashed cauliflower is a great lower-carb option, too.

→ Which cheeses work best here?

Cheddar melts beautifully and adds sharpness, but mozzarella, pepper jack, or a blend work great for flavor variety and gooey texture.

→ Is a vegetarian or vegan version possible?

Yes! Use plant-based ground meat alternatives, dairy-free cheese, and vegan mashed potatoes for a hearty, plant-based version.

→ How should leftovers be reheated?

Reheat in a 350°F oven covered with foil for best texture. For quick single portions, the microwave works well. Add a bit of fresh cheese on top before reheating for extra flavor.

Cheesy Loaded Meatloaf Casserole

Savory ground meat, rich mashed potatoes, and gooey cheese unite for the ultimate cozy casserole.

Prep Time
20 minutes
Cooking Time
40 minutes
Overall Time
60 minutes
Recipe Author: Maria

Dish Category: Main Dishes

Recipe Difficulty: Medium Effort

Cuisine: American

Serves: 8 Serving Size (1 casserole (33 x 23 cm, approximately 8 portions))

Dietary Options: ~

What You’ll Need to Cook

→ Meat Base

Ingredient 01 900 g lean ground beef
Ingredient 02 225 g ground pork (optional for added depth)
Ingredient 03 1 small onion, finely chopped
Ingredient 04 3 garlic cloves, minced
Ingredient 05 1 large egg
Ingredient 06 120 g seasoned breadcrumbs
Ingredient 07 1 tablespoon (15 ml) Worcestershire sauce
Ingredient 08 120 g cottage cheese

→ Mashed Potato Layer

Ingredient 09 900 g potatoes, peeled and cut into chunks
Ingredient 10 115 g unsalted butter
Ingredient 11 120 ml sour cream
Ingredient 12 120 ml half-and-half (or whole milk)
Ingredient 13 Salt, to taste
Ingredient 14 Black pepper, to taste

→ Cheese and Toppings

Ingredient 15 200 g shredded cheddar cheese
Ingredient 16 100 g mozzarella cheese, shredded (optional for extra melt)
Ingredient 17 6 slices thick-cut bacon, cooked and crumbled
Ingredient 18 Fresh chives, finely chopped (for garnish)

Steps to Prepare

Step 01

In a large bowl, combine ground beef, optional ground pork, chopped onion, minced garlic, seasoned breadcrumbs, Worcestershire sauce, cottage cheese, and egg. Mix gently until just incorporated; avoid overmixing for best texture.

Step 02

Press the meat mixture evenly into the base of a 33 x 23 cm (13 x 9 inch) baking dish, ensuring uniform thickness across the surface.

Step 03

Boil potatoes in a large pot of salted water until fork-tender, about 15 minutes. Drain thoroughly and return to pot. Add butter, sour cream, half-and-half, salt, and pepper. Mash until smooth and creamy.

Step 04

Spread the mashed potatoes evenly over the meat layer, smoothing the surface with a spatula to form a cohesive second layer.

Step 05

Sprinkle shredded cheddar (and optional mozzarella) evenly over the potatoes. Top with crumbled bacon for maximum flavor distribution.

Step 06

Cover the casserole with aluminum foil and bake in a preheated oven at 190°C (375°F) for 30 minutes. Uncover and continue baking 10–15 minutes until cheese is golden and casserole is bubbling. The internal temperature should reach at least 71°C (160°F).

Step 07

Allow casserole to rest for 10 minutes before garnishing with fresh chives and serving to enhance flavor and ease slicing.

Extra Cooking Tips

  1. Letting the casserole rest after baking ensures clean slices and allows flavors to meld for optimal taste.
  2. For added depth, consider layering a portion of the cheese between the meat and potatoes.
  3. Using a blend of cheddar and mozzarella delivers both sharpness and meltability.

Must-Have Tools

  • Large mixing bowl
  • Pot for boiling potatoes
  • Colander
  • Potato masher
  • 33 x 23 cm (13 x 9 inch) baking dish
  • Aluminum foil
  • Spatula
  • Oven thermometer

Allergen Information

Always check ingredient labels for allergens and seek expert advice if uncertain.
  • Contains dairy (cheese, butter, sour cream, cottage cheese, half-and-half)
  • Contains gluten (breadcrumbs)
  • Contains eggs

Nutrition Info (Per Serving)

These details are for guidance and aren’t a replacement for professional advice.
  • Calories Count: 476
  • Fats: 32.3 grams
  • Carbs: 33.9 grams
  • Proteins: 14.4 grams