Chocolate Chip Crumb Cake
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This chocolate chip crumb cake is unbelievably tender, loaded with chocolate chips and topped with the most amazing crumb topping!
This cake has been a loooong time in the making. Many, many years ago, I posted a recipe for a buttermilk-chocolate chip crumb cake that I really loved at the time. However, over the years, I’ve received many comments from readers who have had issues with it, specifically with the crumb topping melting into the cake. Unfortunately, the source of the original recipe no longer exists so I couldn’t easily troubleshoot; that meant time for a brand-new recipe. I think you’re going to love this one!
My grandparents came over to visit Joseph last Friday, so I made this in the morning to have something to offer them with coffee. They raved about it, and then my husband and I proceeded to polish the whole thing off within 24 hours.ย An absolute keeper of a recipe!
I wanted to keep the same style of cake I had make previously – a loaf cake with a tender crumb and chocolate chips in the batter, topped with a big layer of crumb topping, then more chocolate chips and finally a dusting of powdered sugar. I turned to my favorite recipe EVER for crumb cake – the New York-style crumb cake from Cook’s Illustrated. The amount of batter was just about perfect for an 8×4-inch loaf pan, so I ran with that and added chocolate chips to the batter.
My crumb topping browned a tad bit more than I would have liked, so I would suggest checking it about halfway through baking and if it’s already starting to brown, cover with foil for the remaining baking time so those crumbs stay nice and tender.
We finished this cake off on Saturday evening and my husband suggested making another one for Sunday dinner, we loved it so much. I didn’t end up doing that (I had already made dirt dessert to go with our picnic meal!), but this is definitely an easy recipe that I’m going to be making again and again (and maybe doubling every time I make it!).
If you’ve madeย that old recipe and had problems with it, I hope you’ll give this new-and-improved versionย a try!
Four years ago: Old-Fashioned Ice Cream Sandwiches
Five years ago: Blueberry Muffins

Chocolate Chip Crumb Cake
Ingredients
For the Crumb Topping:
- โ cup (66.67 g) granulated sugar
- โ cup (73.33 g) dark brown sugar
- Pinch salt
- ยฝ cup (113.5 g) unsalted butter, melted and still warm
- 1ยพ cups (218.75 g) cake flour
For the Cake:
- 1ยผ cups (156.25 g) cake flour
- ยฝ cup (100 g) granulated sugar
- ยผ teaspoon (0.25 teaspoon) baking soda
- ยผ teaspoon (0.25 teaspoon) salt
- 6 tablespoons unsalted butter, cut into 6 pieces, softened but still cool
- 1 egg
- 1 egg yolk
- 1 teaspoon vanilla extract
- โ cup (80 ml) buttermilk
- ยฝ cup (90 g) mini chocolate chips
To Finish
- ยฝ cup (90 g) mini chocolate chips
- Powdered sugar, for dusting
Instructions
- Make the Crumb Topping: In a medium bowl, whisk the sugars, salt and butter to combine. Add the flour and stir with a rubber spatula or wooden spoon until the mixture resembles thick, cohesive dough; set aside to cool to room temperature, 10 to 15 minutes.
- Make the Cake: Preheat oven to 325 degrees F. Spray an 8x4-inch loaf pan with nonstick cooking spray and line with parchment paper; allow excess to overhang edges of pan.
- Using an electric mixer on low speed, mix the flour, sugar, baking soda and salt to combine. With the mixer continuing to ru n at low speed, add the butter one piece at a time; continue beating until the mixture resembles moist crumbs, with no visible butter chunks remaining, 1 to 2 minutes. Add the egg, yolk, vanilla, and buttermilk; beat on medium-high speed until light and fluffy, about 1 minute, scraping once if necessary. Using a rubber spatula, fold the mini chocolate chips into the batter.
- Transfer the batter to the loaf pan and spread into even layer. Break apart the crumb topping into large pea-sized pieces and spread in even layer over the batter, beginning with edges and then working toward center. Bake until the crumbs are golden and a wooden skewer inserted into center of cake comes out clean, 45 to 55 minutes (if the crumb topping appears to be browning too quickly, cover with foil for the remainder of the baking time). Immediately after taking the cake out of the oven, sprinkle with mini chocolate chips. Cool on a wire rack at least 30 minutes. Remove the cake from the pan by lifting parchment overhang. Dust with powdered sugar before serving. Leftovers can be stored at room temperature, wrapped in plastic wrap, for up to 2 days.
Notes
- Do not substitute all-purpose flour for cake flour in this recipe, as it will result in a dry, tough cake.
- Plain yogurt can be substituted for the buttermilk.
Did you make this recipe?
Leave a review below, then snap a picture and tag @thebrowneyedbaker on Instagram so I can see it!







Love this cake!!!
I make 3 mini loaf pans and freeze them
Adjust the baking timeย
Amazing cake! I have noticed you didn’t use any baking powder, only baking soda?ย
Made this morning with full crumb amount and am so glad I did. Itโs perfect and if you love crumb cake like I do I would definitely not recommend cutting back.
havenโt madeย
them, but they look SOOO good!
Amazing
Very good! I did everything as written and stuck to the original recipe with the full crumble and had no issues! Really enjoyed this recipe, I loved that it didn’t taste too sweet. Thank you!
Such a quick and simple recipe. Love it! Definitely donโt recommend cutting it down the middle.
Have made several times and we LOVE it! Only issue is smelling it while itโs baking and having to wait to eat it!
I made this for my mom and sister for Christmas and the topping sunk into the bread. ย I was so sad. ย I even spilt the topping between the two loaves. Maybe I’ll try it again with 1/4 of the topping or maybe add the topping halfway through the baking.
You say in your “About” section that you’re a fanatic about weighing ingredients. Please tell me how much 6 tablespoons of butter weighs!
Delicious! I made this dairy free by using earth balance butter and making โbuttermilkโ by adding white vinegar to almond milk and dairy free chocolate chips. I put some of the crumbs in the middle and it turned out really yummy! Piled the rest of the crumbs on top and it was perfect. Baked for 1 hour and 5 minutes.ย
I made this cake with the full amount of crumb on top of the cake and it turned out perfect. I did have to bake it longer than the recipe called for but that is normal for my oven. I did cover the top part way through baking to keep the crumb from getting too dark. I think I baked it for about 15 minutes longer.
This recipe looks amazing but do not have buttermilk on hand and was wondering ifย
you substitute sour cream for the buttermilk and if so , how muchย
Thank you !
Unfortunately, I didn’t read your note before I made the cake ๐ When I was putting the crumble on, I really should have used my common sense. Lol I used the whole amount of crumble. It took my cake an hour and a half to bake. I haven’t eaten it yet (and I really hope it is cooked all the way through – my tooth pick wasn’t long enough…lol). I’m sure it will be delicious! But, I recommend changing the recipe itself. I don’t always read the whole blog when I make a new recipe. Although, I may start…lol
I made this cake this afternoon and as others have said, the crumbs sunk to the middle (not as concerned about the chocolate chips sinking, but I had to use regular size). I did follow the directions and I do know how to bake, so contrary to an earlier comment I don’t think that was the issue. I was also surprised the crumb topping had more flour in it than the cake itself, and there was a lot of it, though that isn’t necessarily a bad thing, though this type of crumb topping wasn’t my favorite. Maybe the crumb topping wasn’t cool enough before putting it on top and that’s why it sank?
I love crumb cakes! Yours looks so delicious and perfect for the weekend!
I made this for Mother’s day this weekend – it was already in the oven when I read all of the comments and realized so many people had the same issue with the crumbs sinking into the cake and chips sinking to the bottom. Needless to say, I was nervous, but it came out perfectly! There were a lot of crumbs – definitely more than pictured, but can there ever really be too many crumbs?
Followed the recipe exactly and would suggest you do the same!
I’m a big fan of crumb cake, and this is the BEST ever! Followed recipe (with full crumb topping, of course!) with no problems… It’s gorgeous– and makes a great Easter treat– my family LOVES it. Thank you so much, Michelle!
I made this cake after reading everyones comments and turned out amazing!
First, I halved the ammount of topping. I didnt put the topping over the cake from the begining. Instead, I put the cake in the oven for about ten minutes until it had a light crust, then took it off and spread the crumble topping.
This way it didnt sink in the batter, didnt burn, because it was baked for less time and was beautiful and crispy.
Everyone loved it!
Calorie amount?
I followed this recipe exactly. I was very disappointed. The crumbs melted into the cake and the cake didn’t rise well. I was wondering why there wasn’t a bit of baking powder included. Also I think the crumbs should be refrigerated before using.
If you actually know how to bake and follow directions DO NOT CUT THE TOPPING IN HALF, it’s the best part, oh so wonderfully crumbly!
I just made this yesterday for a bbq at my in-laws and it came out perfect with the original recipe michelle laid out. Simple an easy. If anything I would say break up the topping after it has cooled, then make the batter, and sprinkle over the top just as the directions say. It will be perfect, no sinking, not too much crumb, like there is even such a thing.
I made this this morning and it is absolutely delicious and I will definitely be making it again!!
I attempted to make you chocolate chip bread with crumb topping and I must agree with the other bakers in regards to the topping sinking. I cut the topping in half and while cooking it rose up and over the loaf pan and then all the topping sank to the middl. The actual cake was tasty but unfortunately not very presentable. Any suggestions?
Hi Kathy, I’m honestly not sure, I’ve made this cake multiple times, as written above, and have not had that issue :(
Just made and tasted this loaf cake. I used 3/4 of the amount of crumb topping and this was adequate. The cake has a nice flavor but very disappointed that all the chips sank and It created a chocolate candy bar on bottom. I would try this again but would flour the chips which directions did not say to do. I should have known better even though they are mini chips they sink big time. Not one chip was in the cake itself.
I just made this, and I tried reducing the cake flour in the crumb topping to 1+1/4 cups, since so many people commented on problems with the crumb. Unfortunately, the crumb topping came out rock hard. Such a shame! I’ll have to just pick it off each slice. The cake itself is delicious, though. If I make this again, I’d make only the cake or try to find another crumb coating from another site to put on top of this cake recipe. The cake really is good.
Did you use cake flour for the topping, as well? One time I ran out of cake flour for the topping of ATK crumb cake and just substituted AP flour. Topping came out hard.
I made this last night with a couple girlfriends and we all loved it!! I used a 9×5 pan. In the crumb topping, I reduced the cake flour to 1 1/4 cups but left everything else the same. The crumb is one of the best parts! Thanks for a great recipe Michelle!