
This homemade meatloaf with creamy mashed potatoes and gooey melted cheese combines three comfort food classics in one irresistible dish. The savory meat base topped with fluffy potatoes and a golden cheese crust creates a complete meal that's both satisfying and nostalgic.
This recipe became my go to solution when I needed something hearty that would please everyone at the table. My teenage son who typically avoids any casserole type dish asks for this by name now, especially during the colder months.
Ingredients
- Ground beef: preferably 85/15 for the right balance of flavor and moisture without becoming greasy
- Plain breadcrumbs: to bind the meat mixture while keeping it tender
- Milk: adds moisture and helps create a softer texture in the finished meatloaf
- Egg: works as the crucial binder that holds everything together
- Ketchup: brings tangy sweetness and helps create a moist flavorful base
- Garlic and onion powder: provide aromatic depth without the texture of fresh aromatics
- Mashed potatoes: create the creamy middle layer look for buttery Yukon golds for best flavor
- Sour cream: adds tanginess and extra creaminess to the potato layer
- Cheddar cheese: forms a golden bubbly crust choose a sharp variety for more pronounced flavor
Step by Step Instructions
- Prepare Your Baking Dish:
- Start with a proper foundation by thoroughly greasing a 9×9 inch baking dish. This prevents sticking and makes serving much easier later. For even easier cleanup line with parchment paper with some overhang on the sides to use as handles for lifting.
- Create The Meatloaf Base:
- Combine ground beef with breadcrumbs milk egg ketchup and seasonings in a large bowl. Use your hands to mix but work quickly and gently overworking will result in a tough dense meatloaf. Stop mixing as soon as ingredients are incorporated then press the mixture evenly into the prepared dish ensuring it reaches all corners.
- First Baking Phase:
- Bake the meat layer alone for about 25 minutes at 375°F. This partial cooking ensures the meat sets properly before adding the potato layer. Look for the edges to start browning slightly but the center can still be slightly underdone as it will continue cooking later.
- Prepare The Potato Layer:
- While the meat bakes warm your mashed potatoes whether homemade or leftover. Stirring in butter and sour cream while they're warm ensures they'll spread easily over the meat layer. Taste and adjust seasoning with salt and pepper as potatoes often need more salt than you might expect.
- Assemble The Layers:
- Remove the partially baked meatloaf from the oven and carefully spread the mashed potato mixture over top. Use the back of a spoon to create an even layer going all the way to the edges to seal in the meat juices. The potatoes should be completely smooth with no gaps.
- Add Cheese And Final Baking:
- Sprinkle the shredded cheddar cheese evenly across the entire potato surface. Return to the oven for the final 15 minutes of baking until the cheese becomes melted completely with spots of golden brown bubbling across the top.
- Rest Before Serving:
- Allow the dish to rest for 10 minutes after removing from the oven. This critical step allows the juices to redistribute throughout the meat and makes for cleaner slices when serving. Garnish with fresh parsley just before bringing to the table.

I discovered this recipe years ago when trying to recreate my grandmothers comfort food classics but with a modern twist. The cheese topping was actually a happy accident when my daughter suggested adding it one night. Now its the part everyone fights over at dinner with the crispy edges being the most prized pieces.
Freezer Friendly Meal Prep
This dish freezes beautifully either before or after baking. To freeze before cooking prepare through the cheese topping step then cover tightly with plastic wrap and aluminum foil. Freeze for up to 3 months. When ready to use thaw overnight in the refrigerator and add about 15 minutes to the baking time. For leftover portions freeze individual slices wrapped separately for quick lunches or dinners.
Smart Substitutions
This recipe is incredibly versatile and forgiving. Ground turkey can replace beef for a lighter option just add an extra tablespoon of butter to the meat mixture. Sweet potatoes make a delicious alternative to regular mashed potatoes adding nutritional benefits and a lovely color contrast. For a gluten free version use crushed gluten free crackers or certified gluten free breadcrumbs in the meatloaf mixture.
Kid Friendly Variations
This classic combination has universal appeal but can be customized to please even picky eaters. Try forming the meatloaf mixture into mini loaves in a muffin tin topped with potatoes and cheese for kid sized portions with more crispy edges. Hide finely grated vegetables like carrots or zucchini in the meat mixture for added nutrition without changing the familiar taste. Let children help by allowing them to spread the potato layer or sprinkle the cheese for increased interest in eating the finished dish.
Serving Suggestions
While this dish stands alone as a complete meal pair it with simple sides that complement without overwhelming. A crisp green salad with a light vinaigrette provides a refreshing contrast to the richness. Steamed green vegetables like broccoli or green beans add color and nutrition. For special occasions add dinner rolls on the side for soaking up any savory juices from the meatloaf.
Recipe FAQs
- → Can I make this dish ahead of time?
Yes, you can assemble this dish completely up to 24 hours in advance and refrigerate. When ready to serve, allow it to sit at room temperature for 30 minutes, then bake for an additional 10-15 minutes longer than the recipe suggests to ensure it's heated through.
- → What sides pair well with this dish?
This hearty main dish pairs wonderfully with simple green vegetables like steamed broccoli, roasted green beans, or a fresh side salad. The lightness of these sides balances the richness of the meatloaf and potatoes.
- → Can I substitute ground turkey for the beef?
Absolutely! Ground turkey works well as a leaner alternative. For best results, use ground turkey that's not too lean (93/7 works well) to maintain moisture, and consider adding 1-2 tablespoons of Worcestershire sauce for extra flavor.
- → How can I make the mashed potatoes from scratch?
For homemade mashed potatoes, peel and cube 2-3 lbs of Russet or Yukon Gold potatoes. Boil until fork-tender, about 15-20 minutes. Drain well, then mash with 1/4 cup warm milk, 4 tablespoons butter, and salt and pepper to taste. Add the sour cream last for extra creaminess.
- → Can I freeze leftovers of this dish?
Yes, leftovers freeze well for up to 3 months. Portion into individual servings, cool completely, then wrap tightly in plastic wrap and foil. Thaw overnight in the refrigerator and reheat covered in a 350°F oven until heated through, about 20-25 minutes.
- → What type of cheese works best for the topping?
Medium or sharp cheddar provides the best flavor, but you can experiment with cheese blends. Try mixing cheddar with monterey jack for creaminess, or add a bit of parmesan for extra depth. Pre-shredded cheese works, but freshly grated melts more smoothly.