Loaded Nachos

Loaded nachos are tortilla chips layered with seasoned ground beef, black beans and plenty of melted cheese, finished with fresh toppings when they come out of the oven.

A sheet pan of nachos feeds eight as an appetizer or four as dinner. Beans stretch the meat, and it’s a good home for the last of a bag of chips, the end of a block of cheese and whatever toppings are in the fridge.

They take about 25 minutes from start to finish.

Ingredients and Swaps

• Chips: Thick, sturdy tortilla chips. Thin restaurant-style chips go soggy and break under the toppings.
• Meat: Ground beef or turkey with taco seasoning. Shredded chicken or leftover chili work, too.
• Beans: Black beans, or pinto or refried beans.
• Cheese: Cheddar, Monterey Jack or a Mexican blend, shredded from a block for the best melt.
• Toppings: Tomatoes, jalapeños and green onions, plus sour cream, guacamole or salsa.

Tips for Nachos That Aren’t Soggy

• Build two layers. Half of the chips, half of the toppings, then repeat. Every chip gets something on it.
• Drain the meat and beans. Extra liquid is what makes chips soggy.
• Put cheese on every layer. It holds the toppings in place.
• Add cold toppings after baking. Tomatoes, sour cream and guacamole go on at the end.
• Serve from the pan. Nachos are best in the first 15 minutes.

Prices are from Walmart’s and ALDI’s websites for stores in Columbus, Ohio, checked in October 2026. Ohio’s grocery prices are within about 1% of the national average, so you may pay more or less depending on where you live, and prices change often. Here’s how we price our recipes.

Cost: Ingredients – $13.07 from Walmart, $11.50 from ALDI · Per Serving – $1.44 to $1.63

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Loaded Nachos

Crispy tortilla chips layered with seasoned meat, beans, melty cheese, and fresh toppings—perfect for parties or game day.

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Prep Time 15 minutes mins

Cook Time 10 minutes mins

Total Time 25 minutes mins

Servings: 8 servings

Course: Appetizer

Cuisine: Mexican

Ingredients Method Notes

Ingredients

  

• 1 large bag (10–12 oz) tortilla chips
• 1 lb ground beef or turkey
• 1 packet taco seasoning or 2 tablespoons homemade taco spice
• 1 cup black beans drained and rinsed
• 2 cups shredded cheddar cheese or Mexican blend
• ½ cup diced tomatoes
• ¼ cup sliced jalapeños
• 2 green onions sliced
• Sour cream, guacamole, or salsa for serving

Method

 

1. Preheat oven to 375°F (190°C).
2. In a skillet over medium heat, cook ground meat with taco seasoning until fully cooked.
3. On a large baking sheet or oven-safe dish, layer half the tortilla chips.
4. Sprinkle half of the cooked meat, beans, and cheese over the chips. Repeat with remaining chips and toppings.
5. Bake 8–10 minutes or until cheese is fully melted.
6. Remove from oven and top with fresh tomatoes, jalapeños, green onions, and optional sour cream or guacamole.
7. Serve immediately.

Notes

• Swap ground beef for shredded chicken or carnitas.
• Make vegetarian by using extra beans and roasted veggies instead of meat.
• Add pickled jalapeños or hot sauce for extra heat.
• Use different cheeses for a creamier or sharper flavor.

Variations

• Chicken: Use 2 cups of shredded chicken tossed with taco seasoning.
• Vegetarian: Skip the meat and use two cans of beans plus a cup of corn.
• Chili nachos: Spoon leftover Game Day Chili over the chips in place of the meat and beans.

Storage and Reheating

• Nachos don’t keep well once assembled. Make only what you’ll eat.
• Leftover meat and beans keep for up to 4 days and can top a fresh batch.
• If you do have leftovers, reheat at 350°F for 5–7 minutes. The microwave makes the chips chewy.

Nacho Questions

Can I make nachos ahead?

Cook the meat and prep the toppings ahead, then assemble and bake just before serving.

Can I make them as a main dish?

Yes. This amount serves four for dinner. Add a simple salad or Black Bean Corn Salad.