
This Mexican White Trash Casserole is a weeknight hero—gooey, craveable, and always a hit at family gatherings or potlucks. It brings together crunchy chips, perfectly seasoned meat, creamy beans, and melting cheese for the kind of meal that disappears fast from the table. This was one of the first casseroles I tried when hosting a big group of friends after college, and it remains my most-requested recipe for game days and casual get-togethers.
I remember the first time I baked this up for relatives and the kitchen filled with that golden cheese aroma. Now my cousins always ask if I am bringing it to our annual summer picnic.
Ingredients
- Tortilla chips: Use sturdy chips so they stay crunchy and look for whole corn as the first ingredient
- Ground beef or turkey: Pick a lean protein that browns easily and brings rich flavor
- Taco seasoning: Choose your favorite blend or make your own for less sodium
- Salsa: Opt for jarred or fresh store salsa but check ingredient quality for best taste
- Refried beans: Go for a creamy texture and taste before adding as some store brands are saltier
- Mexican blend cheese: Shred your own for meltier results and make sure it is fresh
- Sour cream: Adds cooling balance when served on top
- Guacamole: Look for ripe avocados if making fresh or high-quality store bought
- Fresh tomatoes: Adds brightness to cut through the richness
- Black olives: Briny and salty pop on top
- Green onions: For crunch and mild bite
- Fresh cilantro: Delivers herby fragrance and color
Step-by-Step Instructions
- Preheat and Prepare the Pan:
- Heat oven to 375 F and grease your baking dish with cooking spray or a bit of butter to prevent sticking
- Cook and Season the Meat:
- Brown ground beef or turkey in a skillet over medium heat for 6 to 8 minutes until no pink remains Stir and break up clumps so it cooks evenly Drain off any grease Add in taco seasoning and salsa then simmer 2 to 3 minutes This step infuses the meat with spice and moisture
- Build the First Layer:
- Scatter half the crushed tortilla chips across the bottom of your pan They should make a single layer but with some overlap for texture
- Spread and Layer Beans:
- Dollop refried beans onto the chips Gently smooth into an even layer so every bite carries the creamy bean flavor
- Add the Meat:
- Evenly spread half the seasoned beef mixture on top covering the beans and chips completely
- First Cheese Layer:
- Distribute half your shredded cheese blend evenly This is the key to holding the layers together and making it gooey
- Finish Layers:
- Add remaining tortilla chips next Top with the other half of the beef mixture and finally sprinkle on the rest of the cheese Cover every corner for best melt and flavor
- Bake:
- Place dish in oven and bake for 20 to 25 minutes When the cheese is melted through bubbling and turning golden at the edges you are done
- Cool and Serve:
- Let casserole rest for 5 minutes after baking so it slices well Add your favorite toppings like sour cream guacamole tomatoes olives green onions and cilantro Serve while hot and enjoy

The creamy refried beans are my favorite layer because they pull everything together so nothing dries out By the time the cheese bubbles my family can hardly wait and the first spoonful always reminds me of Sunday dinners as a kid
Storage Tips
Wrap leftovers tightly in foil or transfer to a covered container in the fridge It keeps well for up to three days Reheat in the oven or microwave for best results If making ahead let cool before storing to avoid sogginess
Ingredient Substitutions
Swap in ground chicken for beef or turkey for a leaner option Vegetarian friends can simply skip the meat and double up on beans or add roasted vegetables Use pepper jack or Monterey Jack cheese if you want extra kick
Serving Suggestions
Serve with a big green salad and a tangy vinaigrette to balance the richness A side of Mexican rice or street corn can make it feel like a full feast It is also fun to set up a toppings bar so guests can customize their own portions

Cultural or Historical Context
Tex Mex casseroles like this one became wildly popular in American kitchens for their convenience and big flavor The layering style reflects influences from traditional Mexican cooking where beans tortillas and cheese are foundational This dish is really a celebration of comforting fusion food that brings people together
Frequently Asked Questions
- → Can I use ground turkey instead of beef?
Yes, ground turkey can be used in place of beef for a lighter option without sacrificing flavor.
- → How do I keep the chips from getting soggy?
Add the tortilla chips just before baking and avoid letting assembled layers sit uncovered.
- → What cheese works best for this dish?
Mexican blend cheese is ideal, but cheddar, Monterey Jack, or a mix can also be used successfully.
- → Are there vegetarian adaptations for this casserole?
Swap the meat for sautéed vegetables or plant-based protein, and keep all other layers the same.
- → Can this be made ahead and reheated?
The casserole can be assembled and refrigerated, then baked and topped fresh for best results.
- → What toppings work well for serving?
Popular toppings include sour cream, guacamole, diced tomatoes, black olives, green onions, and cilantro.