Baked Nachos Tex-Mex Style

Featured in: One-Dish Kitchen Cooking

These crowd-pleasing baked nachos feature layers of crispy tortilla chips smothered in a savory ground beef mixture seasoned with chili powder, cumin, and smoked paprika. Topped with melted cheddar and Monterey Jack cheese, then finished with fresh cherry tomatoes, black beans, jalapeños, cilantro, and creamy avocado. Ready in just 30 minutes, they're perfect for game day, parties, or a satisfying weeknight dinner.

Updated on Fri, 30 Jan 2026 08:48:00 GMT
Golden baked nachos with savory ground beef, melted cheddar, and Monterey Jack, topped with diced tomatoes and jalapeños. Save
Golden baked nachos with savory ground beef, melted cheddar, and Monterey Jack, topped with diced tomatoes and jalapeños. | spoontally.com

My college roommate showed up one Friday with two bags of tortilla chips, a pound of beef, and zero plan. We cleared off the largest baking sheet we owned, piled everything on in messy layers, and shoved it in the oven. What came out was a bubbling, chaotic masterpiece that we ate straight from the pan with our hands. That night taught me nachos aren't about perfection, they're about abundance, and the best ones are always slightly over the top.

I made these nachos for a birthday party once and watched grown adults hover around the pan like hawks, waiting for the cheese to bubble. Someone suggested we just eat it with forks from the center, and for a moment, we all considered it. Instead, we grabbed napkins and dove in, laughing at the strings of cheddar stretching between our hands. It's the kind of food that breaks the ice without even trying.

Ingredients

  • Olive oil: Just enough to keep the onions from sticking, and it adds a subtle richness to the beef mixture.
  • Ground beef: The savory backbone of the dish, browned until crispy bits form for extra texture and flavor.
  • Onion: Finely chopped so it melts into the beef, adding sweetness without overpowering.
  • Garlic: Minced fresh, because jarred garlic never gives you that sharp, aromatic punch.
  • Chili powder: The warm, earthy base of the seasoning, not too spicy but full of depth.
  • Ground cumin: Adds smokiness and a hint of nuttiness that makes the beef taste like it simmered for hours.
  • Smoked paprika: A secret weapon for that subtle barbecue note without any grill required.
  • Salt and black pepper: Simple seasoning that brings everything into focus.
  • Tomato sauce: Binds the spices and keeps the beef moist, never dry or crumbly.
  • Tortilla chips: Thick, sturdy chips hold up under all that weight, thin ones turn to mush.
  • Cheddar cheese: Sharp and melty, it's the classic nacho cheese for a reason.
  • Monterey Jack cheese: Creamy and mild, it balances the cheddar and melts like a dream.
  • Cherry tomatoes: Diced small so they nestle into every crevice, bright and juicy.
  • Black beans: Drained and rinsed to avoid sogginess, they add heartiness and a pop of color.
  • Black olives: Sliced thin, they bring a briny contrast to all the richness.
  • Jalapeños: Fresh or pickled depending on your heat tolerance, they add a necessary kick.
  • Red onion: Finely diced for a sharp, crunchy bite that cuts through the cheese.
  • Cilantro: Chopped fresh right before serving, it adds brightness and a grassy note.
  • Avocado: Diced at the last second so it stays green and creamy, never brown.
  • Sour cream: Cool and tangy, it's the perfect contrast to the warm, spicy beef.
  • Salsa: Spooned on top or served on the side, it adds acidity and freshness.

Instructions

Product image
Make fresh ice for iced coffee, cocktails, chilling ingredients, and keeping drinks cold while cooking.
Check price on Amazon
Preheat your oven:
Set it to 400°F so it's ripping hot by the time your nachos are assembled. A hot oven melts the cheese fast without making the chips soggy.
Sauté the aromatics:
Heat the olive oil in a skillet over medium heat, then add the onion and garlic. Let them sizzle for two minutes until they smell sweet and the edges turn translucent.
Brown the beef:
Add the ground beef and break it apart with a wooden spoon, stirring occasionally. Cook for about five minutes until it's browned and crispy in spots, with no pink remaining.
Season and simmer:
Stir in the chili powder, cumin, smoked paprika, salt, and pepper until the beef is coated. Add the tomato sauce and let it simmer for two minutes to meld the flavors, then pull it off the heat.
Build the first layer:
Spread half the tortilla chips across a large baking sheet in an even layer. Spoon half the beef mixture over the chips, then scatter half of both cheeses on top.
Add the second layer:
Repeat with the remaining chips, beef, and cheese, building height and coverage. This double layer ensures every bite has all the good stuff.
Bake until bubbly:
Slide the sheet into the oven and bake for eight to ten minutes, watching for the cheese to melt and bubble at the edges. Don't walk away, it happens fast.
Pile on the toppings:
Pull the nachos out and immediately scatter the cherry tomatoes, black beans, olives, jalapeños, and red onion across the top. Finish with fresh cilantro and diced avocado, then serve with sour cream and salsa on the side.
Product image
Make fresh ice for iced coffee, cocktails, chilling ingredients, and keeping drinks cold while cooking.
Check price on Amazon
Hearty Tex-Mex nachos, freshly baked with seasoned beef, bubbling cheese, and vibrant toppings like black beans and avocado. Save
Hearty Tex-Mex nachos, freshly baked with seasoned beef, bubbling cheese, and vibrant toppings like black beans and avocado. | spoontally.com

The first time I brought these to a potluck, someone asked if I'd catered it. I laughed because I'd thrown it together in twenty minutes while listening to a podcast. But that's the magic of nachos, they look like you tried hard even when you didn't. Everyone left happy, and I left with an empty pan.

Choosing Your Chips

Not all tortilla chips are created equal, and the wrong ones will ruin your nachos before you even start. Look for thick, restaurant-style chips with a sturdy structure, they won't crumble under the weight of toppings. Thin, delicate chips turn to mush the second cheese hits them. I learned this the hard way at a party when my nachos collapsed into a greasy pile halfway through serving.

Make It Your Own

This recipe is a starting point, not a rulebook, and nachos are one of the most forgiving dishes you can make. Swap the ground beef for shredded chicken, pulled pork, or even seasoned lentils if you're going meatless. Add pickled red onions, corn, or diced bell peppers for extra crunch and color. I've even seen people drizzle nacho cheese sauce over the top for maximum indulgence, and honestly, I respect it.

Serving and Storage

Nachos are best eaten immediately, straight from the oven while the cheese is still stretchy and the chips are crisp. If you have leftovers, store the components separately, the beef and toppings keep well in the fridge for up to three days. Reheat the beef in a skillet and build fresh nachos instead of trying to reheat the whole thing, which always ends in sogginess.

  • Serve on a large platter or baking sheet so everyone can dig in at once.
  • Keep extra salsa, sour cream, and jalapeños on the side for people to customize.
  • Pair with a cold drink, because nachos are salty and rich and you'll want something refreshing nearby.
Product image
Easily spray or drizzle oil for roasting vegetables, air frying, sautéing, and dressing salads with controlled coverage.
Check price on Amazon
Crispy tortilla chips layered with beef and cheese, finished with cilantro and red onion, served with salsa and sour cream. Save
Crispy tortilla chips layered with beef and cheese, finished with cilantro and red onion, served with salsa and sour cream. | spoontally.com

There's something deeply satisfying about pulling a tray of nachos from the oven and hearing everyone rush to the table. It's messy, it's communal, and it never fails to make people happy.

Recipe FAQs

Can I make these nachos vegetarian?

Yes, simply omit the ground beef and double the black beans. You can also add sautéed bell peppers, mushrooms, or seasoned lentils for extra substance and flavor.

How do I prevent soggy nachos?

Layer the ingredients properly and bake at high heat. Avoid adding wet toppings like sour cream and salsa until after baking. Serve immediately for maximum crispiness.

What cheese works best for melting?

A combination of cheddar and Monterey Jack provides excellent meltability and flavor. Pepper jack adds spice, while queso quesadilla offers superior melting qualities.

Can I prepare the beef mixture ahead of time?

Absolutely. Cook the seasoned beef mixture up to 2 days in advance and store refrigerated. Reheat before assembling and baking for quick preparation.

What's the best way to layer nachos?

Create two layers for even distribution. Spread half the chips, add half the beef and cheese, then repeat. This ensures every chip gets toppings rather than concentrating everything on top.

How can I make these nachos spicier?

Use pepper jack cheese, add hot sauce to the beef mixture, include fresh serrano peppers, or drizzle with spicy salsa. Adjust heat level gradually to your preference.

Baked Nachos Tex-Mex Style

Crispy chips layered with seasoned beef, melted cheese, and vibrant toppings. Perfect for sharing in 30 minutes.

Prep time
15 minutes
Time to cook
15 minutes
Time required
30 minutes
Recipe by Ella Wilson


Skill level Easy

Cuisine Tex-Mex

Makes 4 Portions

Diet preferences None specified

Needed ingredients

Beef Mixture

01 1 tablespoon olive oil
02 1 pound ground beef
03 1 small onion, finely chopped
04 2 cloves garlic, minced
05 1 teaspoon chili powder
06 1/2 teaspoon ground cumin
07 1/2 teaspoon smoked paprika
08 1/2 teaspoon salt
09 1/4 teaspoon black pepper
10 1/4 cup tomato sauce

Nachos Base

01 8 ounces tortilla chips

Cheese

01 2 cups shredded cheddar cheese
02 1 cup shredded Monterey Jack cheese

Toppings

01 1 cup cherry tomatoes, diced
02 1/2 cup canned black beans, drained and rinsed
03 1/4 cup sliced black olives
04 1/4 cup sliced jalapeños, fresh or pickled
05 1/4 cup red onion, finely diced
06 1/4 cup chopped fresh cilantro
07 1 avocado, diced
08 1/2 cup sour cream
09 1/2 cup salsa

How to make it

Step 01

Preheat Oven: Preheat oven to 400 degrees Fahrenheit.

Step 02

Sauté Aromatics: Heat olive oil in a skillet over medium heat. Add chopped onion and minced garlic, sauté for 2 minutes until fragrant.

Step 03

Brown Ground Beef: Add ground beef to the skillet and cook until browned, breaking apart with a spoon, approximately 5 minutes.

Step 04

Season Beef Mixture: Stir in chili powder, cumin, smoked paprika, salt, and pepper. Add tomato sauce and simmer for 2 minutes. Remove from heat.

Step 05

Layer Nachos: Arrange half the tortilla chips on a large baking sheet or oven-safe platter. Top with half the beef mixture and half the cheeses. Layer remaining chips, beef, and cheese.

Step 06

Bake Until Melted: Bake in the oven for 8 to 10 minutes, until cheese is melted and bubbling.

Step 07

Add Fresh Toppings: Remove from oven and immediately sprinkle with cherry tomatoes, black beans, olives, jalapeños, and red onion.

Step 08

Finish and Serve: Garnish with cilantro and avocado. Serve hot with sour cream and salsa on the side.

What you need

  • Large baking sheet or oven-safe platter
  • Skillet
  • Spatula or wooden spoon
  • Knife and cutting board

Allergen details

Be sure to read over each ingredient for allergens. If unsure, check with your healthcare provider.
  • Contains dairy: cheese and sour cream
  • May contain gluten if tortilla chips are not gluten-free certified
  • Contains nightshade vegetables: tomato, chili, and jalapeño

Nutrition per serving

Details here are for your information only. Don't substitute for advice from your doctor.
  • Calorie count: 550
  • Fat content: 32 grams
  • Carbohydrates: 38 grams
  • Proteins: 28 grams