
Creamy Potato Soup
Rich and creamy potato soup loaded with cheddar cheese, ready in 35 minutes for just $1.25 per serving. The ultimate budget-friendly comfort food.
The Comfort of a Good Potato Soup
Few things in life are as universally comforting as a bowl of creamy potato soup on a cold evening. It is the kind of meal that wraps around you like a warm blanket, filling and satisfying in the most uncomplicated way possible. This recipe captures that feeling perfectly while keeping things simple enough for any home cook to pull off without stress.
What makes this version special is the balance between creamy and chunky. Rather than blending everything smooth, you mash the potatoes right in the pot, leaving some pieces intact. This gives you a soup with body and texture rather than something that feels like baby food. The cheddar cheese melted in at the end adds richness and a subtle sharpness that elevates the whole bowl.
Getting the Texture Right
The roux made from butter and flour at the beginning is what gives this soup its silky consistency without needing heavy cream. It thickens the broth just enough to coat the back of a spoon while still feeling like soup rather than a sauce. Do not rush the roux step. Cooking the flour for a full minute eliminates the raw, pasty taste that can ruin an otherwise great soup.
When mashing the potatoes in the pot, aim for roughly half mashed and half intact. This gives you the best of both worlds. If you prefer a completely smooth soup, use an immersion blender, but go slowly and leave a few chunks for interest. The starch released from the mashed potatoes naturally thickens the liquid, so the soup will continue to thicken as it sits.
Why This Is a Budget Champion
At a dollar and twenty-five cents per serving, this might be the cheapest satisfying dinner you can make. Potatoes are one of the most affordable foods in any grocery store, and a two-pound bag costs next to nothing. The rest of the ingredients are basic pantry and refrigerator staples. Even the cheddar cheese, which is the most expensive component, stretches across six generous servings.
This is the kind of recipe to lean on during weeks when the grocery budget is tight. Pair it with a simple green salad or some crusty bread, and you have a complete meal that costs less per person than a cup of coffee at most cafes.
Topping Ideas and Variations
The toppings are where you can really personalize this soup. Classic choices include a dollop of sour cream, a sprinkle of chives, and crispy bacon bits. Shredded cheese on top that melts into the hot soup is always a crowd pleaser. For something different, try a drizzle of hot sauce, a handful of crumbled crackers, or a scoop of salsa.
To make the soup heartier, stir in some chopped cooked broccoli, sauteed leeks, or roasted garlic. A handful of corn adds sweetness that pairs beautifully with the potatoes. For a loaded baked potato version, pile on all the toppings you would put on a baked potato and stir some of them in.
Storage and Reheating
This soup keeps in the refrigerator for up to five days, making it an excellent candidate for meal prep. It thickens considerably as it cools, so add a splash of broth or milk when reheating to bring it back to the right consistency. Reheat gently over medium-low heat on the stove, stirring occasionally to prevent the bottom from scorching. The microwave works fine for individual portions, but stir it halfway through to ensure even heating. This is one of those rare soups that actually tastes better the next day after the flavors have had time to meld together.
Creamy Potato Soup
Rich and creamy potato soup loaded with cheddar cheese, ready in 35 minutes for just $1.25 per serving. The ultimate budget-friendly comfort food.
Editorial score based on test-kitchen reliability, flavor balance, and budget value.
Prep
10 min
Cook
25 min
Total
35 min
Ingredients
Soup
- 2 lbs russet potatoes, peeled and diced
- 1 onion, diced
- 3 cloves garlic, minced
- 3 tbsp butter
- 3 tbsp flour
- 4 cups chicken broth
- 1 cup milk
- 1 cup shredded cheddar cheese
- Salt to taste
- Pepper to taste
Toppings
- Chives, chopped
- Sour cream
- Bacon bits (optional)
Instructions
- 1
Melt butter in a large pot over medium heat. Add diced onion and cook for 3 to 4 minutes until softened and translucent. Add minced garlic and cook for 30 seconds until fragrant.
- 2
Sprinkle flour over the onion and garlic. Stir constantly for 1 minute to cook the raw flour taste out and create a roux.
- 3
Slowly pour in chicken broth while stirring to prevent lumps. Add diced potatoes and bring to a boil. Reduce heat and simmer for 15 minutes until potatoes are fork-tender.
- 4
Use a potato masher to mash some of the potatoes directly in the pot, leaving some chunks for texture. Stir in milk and shredded cheddar cheese until melted and smooth. Season with salt and pepper to taste. Serve topped with chives, sour cream, and bacon bits.
Nutrition Facts
Per serving
320 kcal
Calories
12g
Protein
38g
Carbs
14g
Fat
Frequently Asked Questions
Can I make it dairy-free?▾
Yes. Substitute the butter with olive oil, use a dairy-free milk like oat or coconut milk, and skip the cheese or use a dairy-free shredded cheese alternative. The soup will still be creamy thanks to the starch from the potatoes.
Is this freezable?▾
Potato soup can be frozen, but the texture changes slightly when thawed. The potatoes may become a bit grainy. For best results, freeze before adding the milk and cheese, then stir those in after reheating. It keeps in the freezer for up to 3 months.
What potatoes work best?▾
Russet potatoes are ideal because they break down easily and create a naturally thick, creamy texture. Yukon Golds work well too and hold their shape a bit more if you prefer a chunkier soup. Avoid waxy potatoes like red potatoes, as they do not break down as well.
Can I freeze creamy potato soup?▾
You can, but texture is best if you freeze before adding dairy. Reheat and stir in milk or cream right before serving to prevent a grainy texture and keep the soup smooth.
HomeMealHacks Team
We're a team of home cooks passionate about making delicious food accessible to every budget. Every recipe is tested, costed, and designed to save you money without sacrificing flavor.
You Might Also Like
soups-stewsClassic Homemade Beef Chili
Classic Homemade Beef Chili is an affordable, flavor-packed recipe with practical ingredients and clear steps for busy nights. This budget-friendly meal is easy to repeat and optimized for low cost per serving. This classic beef chili option is designed for fast weeknight cooking and dependable results.
soups-stewsWhite Chicken Chili
Creamy white chicken chili with tender chicken, white beans, and green chiles, ready in 35 minutes for $1.90 per serving. A cozy, crowd-pleasing soup.
soups-stewsHearty Budget Lentil Soup
A rich, warming lentil soup packed with vegetables and Mediterranean spices, ready in 40 minutes for just $0.75 per serving. Perfect for meal prep and freezer-friendly.
Featured In

Healthy Slow Cooker Recipes: 15 Nutritious Meals Dietitians Love
Discover the best healthy slow cooker recipes packed with protein, fiber, and vegetables. Dietitian-approved meals under 400 calories that cost less than $2 per serving.
February 22, 2026

How to Cook on a Budget: The Complete Beginner's Guide
Learn how to cook delicious meals on a tight budget with this complete beginner's guide. Covers pantry staples, essential equipment, shopping tips, and easy starter recipes. This how to cook on a budget beginners guide option is designed for fast weeknight cooking and dependable results.
February 20, 2026
