
This cheesy Mexican White Trash Casserole is the ultimate crowd-pleaser for weeknights or potlucks. Layers of crunchy tortilla chips, juicy seasoned beef, hearty beans, and golden bubbling cheese come together with a load of fresh toppings for a comforting dish that always disappears fast at my family table.
The first time I whipped this up was for a late-night craving with friends. We ended up scraping the pan clean and they still text me for the recipe months later.
Ingredients
- Tortilla chips: Lightly crushed for the perfect mix of crisp and tender layers. Look for thick restaurant-style chips that hold up to baking
- Ground beef or ground turkey: For savory protein. Choose lean meat for the best texture and less grease
- Taco seasoning: Adds classic flavor. Check for a mix with rich spices and not too much salt
- Salsa: Binds the meat and brings mild heat. Look for one with fresh tomato flavor and no added sugar
- Refried beans: Create a creamy layer. Canned versions work great but go for low sodium if possible
- Shredded Mexican blend cheese: For gooey melty richness. Freshly shredded cheese melts best and tastes the most vibrant
- Optional toppings: Sour cream, guacamole, diced tomatoes, black olives, green onions and fresh cilantro bring freshness and color
Step-by-Step Instructions
- Prepare the Baking Dish:
- Lightly grease a 33 by 23 centimeter baking dish with cooking spray or a little butter. This stops the casserole from sticking and makes serving easy
- Brown the Meat:
- Cook ground beef or turkey in a large skillet set over medium heat. Break it up as it cooks. Let it brown deeply for six to eight minutes. When no pink remains drain off any extra fat to avoid a greasy casserole
- Flavor the Meat:
- Stir taco seasoning and salsa into the cooked meat. Let it all simmer together for about two to three minutes. This blends the flavors and keeps the mixture juicy
- Build the First Layer:
- Spread half of your crushed tortilla chips evenly in the bottom of the prepared dish. Try to cover the surface without making the layer too thick
- Add Beans and Meat:
- Carefully spoon all the refried beans over the chips and spread them smoothly to the edges. Scoop half of the seasoned meat over the beans and spread out evenly
- Add Cheese:
- Sprinkle one hundred grams of the shredded cheese across the meat layer. Try to spread it all the way to the corners so each portion has plenty of melty cheese
- Repeat the Layers:
- Add the rest of the crushed chips over the cheese. Spread out the remaining meat mixture on top of the chips. Finish with the rest of the shredded cheese
- Bake Until Bubbly:
- Place the dish in the oven and bake for twenty to twenty five minutes. The cheese should be bubbly and starting to turn golden at the edges. Let the casserole rest for five minutes so it sets up and is easy to serve
- Finish and Serve:
- Pile on your favorite toppings like sour cream guacamole tomatoes olives green onions or cilantro before serving. Scoop generous portions while it is hot and gooey

My favorite ingredient is always the cheese because nothing brings everyone to the table like that bubbling golden crust. We once made this for a family movie night and people kept sneaking into the kitchen for just one more bite before the credits rolled.
Storage Tips
Cool leftovers to room temperature then cover tightly and refrigerate for up to three days. To reheat individual portions use the microwave or for best texture reheat covered in the oven at moderate heat until warmed through. Avoid freezing if you want to keep the chips crispy since they soften slightly after thawing but the flavor still shines.
Ingredient Substitutions
You can swap ground beef for ground turkey or even vegetarian crumbles if you want a meatless version. Black beans or pinto beans work instead of refried beans for even more texture just mash them lightly with a fork. For cheese use cheddar Monterey Jack or pepper Jack for extra spice.
Serving Suggestions
This casserole makes a meal on its own but I love serving it with a crisp salad or grilled corn on the side. If you are feeding a crowd add extra toppings bar style and let everyone build their own plate. Warm tortillas on the side are perfect for scooping up leftovers.

Cultural Context
This dish is a playful spin on classic Tex Mex flavors I grew up with and it always feels like comfort food. Each bite layers together the classic flavors found at family gatherings in the Southwest with a little extra crunch and fun.
Frequently Asked Questions
- → How do I keep the tortilla chips from getting soggy?
Add the crushed chips just before layering and baking, and avoid letting them sit exposed too long before assembly.
- → Can I substitute ground beef with another protein?
Yes, ground turkey or even shredded rotisserie chicken works well for a lighter variation without sacrificing flavor.
- → What toppings go well with this casserole?
Popular options include sour cream, guacamole, fresh tomatoes, sliced black olives, green onions, and cilantro.
- → How can I make the casserole spicier?
Choose a hotter salsa, add diced jalapeños, or include chili flakes when seasoning the meat for extra heat.
- → Can I prepare this dish ahead of time?
You can assemble it in advance, refrigerate, and bake just before serving. Add chips and cheese right before baking for best texture.
- → Is it possible to make this casserole vegetarian?
Omit the meat and add more beans or sautéed vegetables like bell peppers, zucchini, or corn for a satisfying alternative.