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Creamy Loaded Ham and Potato Soup with Sharp Cheddar

A close-up of a rich bowl of loaded ham and potato soup topped with sour cream, bacon, cheese, and chives.

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Make this hearty ham and potato soup that tastes like a fully loaded baked potato. This recipe delivers rich, comforting flavor perfect for a family dinner.

Ingredients

Scale
  • 1 tablespoon olive oil
  • 1 large yellow onion, chopped
  • 3 stalks celery, chopped
  • 2 carrots, peeled and diced
  • 4 cloves garlic, minced
  • 1/4 cup all-purpose flour
  • 4 cups chicken broth
  • 4 cups peeled and diced Russet potatoes (about 2 large)
  • 1 teaspoon dried thyme
  • 1/2 teaspoon black pepper
  • 1/4 teaspoon salt (adjust later)
  • 2 cups milk or half-and-half
  • 2 cups cooked ham, diced
  • 1 cup sharp cheddar cheese, shredded
  • 1/2 cup sour cream, plus more for topping
  • 4 slices bacon, cooked and crumbled
  • 2 tablespoons fresh chives, chopped for garnish

Instructions

  1. Heat the olive oil in a large pot or Dutch oven over medium heat. Add the onion, celery, and carrots. Cook until softened, about 5 to 7 minutes.
  2. Add the minced garlic and cook for 1 minute until fragrant.
  3. Sprinkle the flour over the vegetables and stir constantly for 1 minute to cook out the raw flour taste.
  4. Gradually whisk in the chicken broth until smooth. Add the diced potatoes, thyme, pepper, and initial salt.
  5. Bring the mixture to a boil, then reduce heat, cover, and simmer for 15 to 20 minutes, or until the potatoes are tender when pierced with a fork.
  6. Stir in the milk or half-and-half. Heat through gently; do not allow the soup to boil once milk is added.
  7. Stir in the diced ham and shredded cheddar cheese until the cheese is completely melted and the soup is creamy.
  8. Remove the pot from the heat. Stir in the 1/2 cup of sour cream until fully incorporated. Taste and adjust salt and pepper as needed.
  9. Ladle the creamy potato soup with ham into bowls. Top each serving with a dollop of extra sour cream, crumbled bacon, and fresh chives.

Notes

  • For a thicker soup, mash about 1 cup of the cooked potatoes against the side of the pot before adding the ham and cheese.
  • You can use leftover ham from a holiday meal for the best flavor in this homemade potato soup with leftover ham.
  • If you prefer a slow cooker ham and potato soup recipe, combine all ingredients except the cheese, sour cream, and bacon in the slow cooker and cook on low for 6-8 hours. Stir in the dairy and cheese at the end.

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