A hand lifting a gooey bite of ham and cheese sandwich with béchamel sauce stretching

Croque Monsieur Recipe (Easy French Ham & Cheese Sandwich)

CROQUE MONSIEUR, the classic hame and cheese sandwich from France smothered in creamy béchamel and Gruyère. First you toast it to golden, then a quick bake gives you that bubbly restaurant finish.

If you’re looking for a hot, melty sandwich that feels like a special treat from a café, this is one to try. It’s rich and savory, with an extra layer of comfort from the creamy white sauce on top.

Best of all, how easy it is to throw it in the oven so that cheese turns light golden and bubbly but doesn’t dry out the bread!

Two pieces of béchamel-topped ham and cheese sandwich on a white plate with melted cheese
Ready to serve

Why You’ll Love This Recipe

  • Creamy béchamel topping, it’s almost like a French bistro sandwich.”
  • Every bite has gooey, smoky ham with super melty cheese layers
  • Quick stovetop toast + short oven finish = the best texture Start by toasting the gnocchi on the stovetop.
  • Made with basic pantry ingredients (milk, butter, flour, mustard)
  • Perfect for brunch, lunch, or an easy “breakfast for dinner”
Close-up of the sandwich cut open showing ham, melted cheese, and béchamel under toasted bread
Creamy inside, crisp outside

Ingredients

Candy base

Béchamel

  • 1/2 cup milk (120 ml)
  • 1/2 cup heavy cream (120 ml)
  • 1 1/2 tbsp of unsalted butter (25 g)
  • 1 1/2 tbsp all-purpose flour
  • 1/4 tsp kosher salt
  • 1 pinch white pepper
  • 1/8 tsp nutmeg (ground is better, fresh ground that is)

Sandwich

  • 4 slices sourdough bread
  • 8 slices Swiss or gruyère cheese
  • 120 g ham slices, sliced (4 oz) – best is smoked
  • 4 tsp Dijon mustard
  • 2 tbsp unsalted butter (30 g)

Finish

Topping

  • 1/2 cup shredded Gruyère cheese
  • 3 tbsp Parmesan, finely shredded
Overhead view of bread, ham, cheeses, milk, cream, butter, flour, mustard, and seasonings on a counter
Everything you need to make it

Ingredient Notes & Substitutions

  • Milk + cream: This combination creates a richer béchamel. You can work strictly with milk, but the sauce will have less depth and a lighter texture.
  • White pepper: It’s optional, but it preserves the whiteness of the béchamel and contributes a mild heat. Black pepper works too.
  • Nutmeg: A small pinch is classic in béchamel — don’t skip if you have some around.
  • Bread: Sourdough holds up well. You can use any sturdy sandwich bread (slices of French bread, country loaf, thick white).
  • Sliced cheese: Swiss, for example, is a standard and melts like butter. Gruyère adds deeper, nutty flavor.
  • Ham: Smoked ham is most flavorful. If you prefer, you can use turkey ham.
  • Dijon mustard: That tang to contrast the richness. Yellow mustard is milder, but it will do.

How to Make CROQUE MONSIEUR

  • Heat the dairy: Place the milk and cream in a small saucepan and warm over medium heat until steaming (not boiling).
Milk and cream being poured into a small saucepan on the stove
Warm the dairy first
  • Make the roux: Melt 1 1/2 tablespoons of butter in the same saucepan, and blend it with flour until you have a paste. Cook 30–60 seconds.
  • Finish béchamel: Slowly stream in the warm milk/cream, whisking to a smooth consistency. Season with salt, white pepper and nutmeg. Cook, stirring, until it is thick enough to coat a spoon.
Roux and milk mixture being stirred in a saucepan until smooth and creamy
Stir until thick and silky
  • Make the sandwiches: Spread a thin layer of béchamel over one side of each slice of bread. Top halves with cheese slices, ham and Dijon mustard; more cheese. Close the sandwiches.
Bread spread with béchamel, layered with cheese and ham, then topped with another slice
Layer, stack, and close
  • Toast in butter: Heat a large skillet over medium heat and melt 2 tbsp of butter. Press sandwiches on both sides until golden and crisp.
Ham and cheese sandwiches browning in a skillet with melted butter
Toast until golden
  • Spread béchamel on top of each sandwich, then top with shredded Gruyère and Parmesan.
Béchamel spread over toasted sandwiches then topped with shredded Gruyère and Parmesan
Sauce + cheese topping
  • Bake on the top rack until melted and bubbly and lightly golden (or broil briefly). Rest 2 minutes, then serve.
Sandwiches baked until the cheese topping is melted, bubbly, and lightly browned
Bubbly and golden

Expert Tips

  • Warm up the milk/cream in advance and throw it into the roux if you want to avoid lumps.
  • When you thicken the béchamel, stir it constantly so it remains silky.
  • Make sure the béchamel is thick (just slightly thinner than spoon-coating), so that it sits on top without running off.
  • You’ll lightly toast in the skillet over medium heat: The goal is for the bread to brown, not burn.
  • Line the pan with parchment for easy clean-up (cheese will drip).
  • End on the top rack; you want the topping to caramelize quickly.
  • Allow the sandwiches to rest for 1-2 minutes before cutting, so that layers firm up just a little.
  • Shred cheese yourself if you can — it melts better than pre-shredded.
Croque monsieur cut in half on a white plate with melted cheese and béchamel on top
Creamy, cheesy croque monsieur ready to serve.

Storage & Freezing

  • Refrigerator: Keep leftovers in an airtight container up to 2 days.
  • Reheat: Let it come to room temperature and warm on a sheet pan in the oven (you want hot and the cheese melty again — avoid microwave if you like the bread crisp).
  • Freezer: Wrap tightly fully chilled sandwiches then store them in a freezer bag for up to 1 month.
  • To thaw: Reheat the casserole in the oven until heated through and bubbly.

Variations

  • Top with a fried egg for a sort of brunchy experience.
  • Substitute ham for turkey or roasted chicken slices.
  • Add something wimpy in the middle, like a thin layer of caramelized onions.
  • Add a dash of garlic powder to the béchamel for added savoriness.
  • Tune the heat up with a little pinch of cayenne or some chili flakes in the sauce.
A hand lifting a gooey bite of ham and cheese sandwich with béchamel sauce stretching

CROQUE MONSIEUR

A classic French ham and cheese sandwich topped with creamy béchamel and baked until bubbly and golden.
Prep Time 10 minutes
Cook Time 15 minutes
0 minutes
Total Time 25 minutes
Servings: 2 sandwiches
Course: Breakfast, Lunch
Cuisine: French
Calories: 820

Ingredients
  

Béchamel
  • 1/2 cup milk 120 ml
  • 1/2 cup heavy cream 120 ml
  • 1 1/2 tbsp unsalted butter 25 g
  • 1 1/2 tbsp all-purpose flour
  • 1/4 tsp kosher salt
  • 1 pinch white pepper
  • 1/8 tsp ground nutmeg
Sandwich
  • 4 slices sourdough bread
  • 8 slices Swiss or Gruyère cheese
  • 4 oz ham slices 120 g, preferably smoked
  • 4 tsp Dijon mustard
  • 2 tbsp unsalted butter 30 g
Topping
  • 1/2 cup shredded Gruyère cheese
  • 3 tbsp finely shredded Parmesan cheese

Equipment

  • Small saucepan
  • Wooden spoon or whisk
  • Measuring cups and spoons
  • Skillet or frying pan
  • Spatula
  • Sheet pan
  • Parchment paper
  • Knife

Method
 

  1. Add the milk and heavy cream to a small saucepan and warm over medium heat until steaming (do not boil).
  2. Melt 1 1/2 tbsp butter in the saucepan, then stir in the flour to form a smooth paste. Cook 30–60 seconds.
  3. Slowly pour in the warm milk/cream while stirring constantly until smooth. Add salt, white pepper, and nutmeg. Cook, stirring, until thick enough to coat a spoon.
  4. Spread a thin layer of béchamel on one side of each bread slice. Layer cheese slices, ham, Dijon mustard, then more cheese. Close the sandwiches.
  5. Melt the 2 tbsp butter in a skillet over medium heat. Toast sandwiches on both sides until golden.
  6. Transfer to a parchment-lined sheet pan. Spread béchamel on top of each sandwich, then top with shredded Gruyère and Parmesan.
  7. Bake on the top rack until melted and bubbly and lightly golden (or broil briefly). Rest 2 minutes, then serve.

Nutrition

Serving: 2sandwichesCalories: 820kcalCarbohydrates: 40gProtein: 44gFat: 54gSaturated Fat: 30gPolyunsaturated Fat: 3gMonounsaturated Fat: 16gCholesterol: 170mgSodium: 1650mgPotassium: 420mgFiber: 2gSugar: 6gVitamin A: 900IUCalcium: 900mgIron: 2.5mg

Video

Notes

  • For the smoothest béchamel, warm the milk/cream and add it slowly while stirring constantly.
  • If the sauce thickens too much off heat, loosen with a small splash of warm milk and stir smooth.
  • Swiss cheese melts easily; Gruyère adds a deeper, nuttier flavor.
  • Pan-toasting first is the key to crisp bread before the oven finish.
 

Tried this recipe?

Let us know how it was!

FAQs

Can I bake instead of pan-toast ?

Yes, but pan-toasting makes for the crunchiest exterior. If baking only, toast the bread in a toaster or oven.

How can I prevent the bread from getting soggy ?

First, toast well in the skillet; keep béchamel thick and bake on the top rack so moisture cooks off fast.

Can I just use Swiss cheese ?

Yes. Swiss melts really well and tastes terrific; the Gruyère simply imparts a deeper nutty flavor.

What caused my béchamel to become lumpy ?

Either the milk was added too quickly or roux wasn’t stirred enough—add it in a stream while whisking/stirring constantly.

Can I prepare the béchamel in advance ?

Yes—cool, cover, and refrigerate. Rewarm, stirring gently, until smooth before using.

Why Is This Better Than Just a Grilled Ham and Cheese ?

The béchamel topping and oven finish!! enrich it up more, smooth it out “bistro-style.”

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Estimated reading time: 7 minutes

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