Seven-Layer Tex-Mex Dip

Featured in: Simple Sweet Makes

This colorful seven-layer dip combines seasoned refried beans, fresh homemade guacamole, tangy sour cream, chunky salsa, and a blend of cheddar and Monterey Jack cheeses. The layers are finished with sliced black olives, crisp shredded lettuce, and green onions for a stunning presentation.

Refrigerating for at least one hour allows the flavors to meld together beautifully, making this an ideal make-ahead appetizer for parties, potlucks, and gatherings. The contrast of creamy and crunchy textures creates an irresistible dip that pairs perfectly with crispy tortilla chips.

Updated on Tue, 13 Jan 2026 14:57:00 GMT
Seven layer dip topped with shredded lettuce, cheddar cheese, black olives, and green onions. Pin it
Seven layer dip topped with shredded lettuce, cheddar cheese, black olives, and green onions. | tifritecho.com

Last Super Bowl Sunday, my friend Sarah brought this seven-layer dip to my apartment, and I swear I saw three different people ask for the recipe before halftime even started. The way she layered each ingredient so deliberately taught me that presentation actually matters, even when you are just dumping beans and cheese into a glass dish.

I made this for my book club last month, and honestly, everyone stood around the coffee table eating it straight from the dish while we were supposed to be discussing the chapters. Something about digging through all those layers makes people feel like kids again, discovering different flavors in every single chip dip.

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Ingredients

  • Refried beans with taco seasoning: This foundation needs to be well mixed because nobody wants a plain bean surprise at the bottom
  • Ripe avocados and lime juice: Mash them until smooth but leave tiny chunks for texture, and do not skip the lime or your guacamole will turn brown
  • Sour cream: Creates that essential cooling bridge between the spicy beans and tangy salsa
  • Chunky salsa, drained well: Excess liquid will make everything soggy, so let it sit in a sieve for five minutes
  • Shredded cheddar and Monterey Jack cheese: The blend melts better than just one cheese type
  • Black olives, lettuce, and green onions: These add the crunch and fresh bite that cuts through all the richness
  • Tortilla chips: Sturdy ones only because flimsy chips will break when you hit that cheese layer

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Instructions

Build your bean foundation:
Mix the refried beans with taco seasoning until completely combined, then spread it across the bottom of your glass dish like you are frosting a cake, making sure it is even so every bite gets the same amount.
Create the guacamole layer:
Mash those avocados with lime juice, salt, diced red onion, and tomato until you have a spreadable consistency, then gently spread it over the beans without mixing the two layers together.
Add the cooling sour cream:
Drop spoonfuls of sour cream across the guacamole and spread them carefully to create a distinct white layer that looks so striking against the green.
Layer the salsa and cheese:
Spread your well drained salsa over the sour cream, then sprinkle both cheeses evenly so they cover the entire surface in a golden blanket.
Finish with the fresh toppings:
Scatter black olives, shredded lettuce, and chopped green onions across the top, then cover the whole thing and let it chill for at least an hour so the flavors can start mingling.
Cold Tex-Mex dip served in a glass dish with crispy tortilla chips for scooping. Pin it
Cold Tex-Mex dip served in a glass dish with crispy tortilla chips for scooping. | tifritecho.com

My mom started making this for every family gathering after she realized it was the one thing that would get my teenage brother to actually eat vegetables without complaining. There is something about seeing all those colorful layers that makes people forget they are diving into lettuce and onions.

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Make Ahead Magic

This dip actually tastes better after sitting in the refrigerator for a few hours because the taco seasoning from the beans slowly works its way into the sour cream layer. I have made it the night before and brought it to parties, and the flavors become so much more cohesive than when it is freshly assembled.

Serving Strategy

Set out two bowls of chips because this dip disappears faster than you expect, and refill the chip bowl before people start awkwardly scraping the sides of the dish. A small spoon alongside the chips helps people who want to get all seven layers in one perfect scoop without breaking their chips.

Customization Ideas

Sometimes I swap Greek yogurt for the sour cream when I want something slightly lighter, and honestly, nobody has ever noticed the difference. You can also add a layer of pico de gallo or diced jalapeΓ±os if your crowd loves extra heat and texture.

  • Add a layer of seasoned ground beef if you want to make it more substantial
  • Try mixing taco sauce into the sour cream for extra flavor throughout
  • Sprinkle fresh cilantro over the top right before serving for a pop of color
Homemade seven layer dip featuring guacamole, sour cream, refried beans, and chunky salsa. Pin it
Homemade seven layer dip featuring guacamole, sour cream, refried beans, and chunky salsa. | tifritecho.com

Every time I serve this now, I think about Sarah showing me that the best party food is the kind that brings people together around one dish, chip in hand, waiting for their turn to dive into all those glorious layers.

Recipe FAQs

β†’ How long can seven-layer dip sit out?

Seven-layer dip should not sit out at room temperature for more than 2 hours. Due to the dairy components like sour cream and cheese, it's best kept chilled and served over ice during long parties to maintain food safety.

β†’ Can I make this dip ahead of time?

Yes, this dip actually tastes better when made ahead. You can assemble it up to 24 hours in advance, but add the lettuce and green onions within 2-3 hours of serving to prevent them from becoming wilted. Keep it tightly covered in the refrigerator.

β†’ How do I prevent the layers from getting watery?

The key is draining your salsa thoroughly before adding it as a layer. You can also salt the guacamole tomatoes and let them sit for 10 minutes, then drain excess liquid before mixing. Avoid over-mixing the sour cream layer as well.

β†’ What can I substitute for refried beans?

You can use whole black beans (mashed slightly), fat-free refried beans for a lighter version, or even a layer of cooked Mexican rice. For a protein boost, seasoned ground beef or shredded chicken can replace the bean layer entirely.

β†’ How many servings does this recipe make?

This recipe yields approximately 8 servings as an appetizer. For larger crowds, consider doubling the recipe and using a larger serving dish. A standard 9x13-inch dish works perfectly for the quantities listed.

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Seven-Layer Tex-Mex Dip

Layered Tex-Mex appetizer with seasoned beans, creamy guacamole, sour cream, salsa, melted cheese, olives, and fresh vegetables. Serve chilled with crispy tortilla chips.

Prep time
20 min
0
Overall time
20 min
Created by Julian Frost

Dish Category Simple Sweet Makes

Skill Level Easy

Cuisine Type Tex-Mex

Portion size 8 Number of servings

Dietary details Meat-free, No gluten

What You'll Need

Base Layer

01 1 can refried beans (15 ounces)
02 1 tablespoon taco seasoning

Guacamole Layer

01 2 ripe avocados, peeled and pitted
02 1 tablespoon lime juice
03 1/4 teaspoon salt
04 1/4 cup diced red onion
05 1 small tomato, seeded and diced

Sour Cream Layer

01 1 cup sour cream

Salsa Layer

01 1 cup chunky salsa, well drained

Cheese Layer

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

Toppings

01 1/2 cup sliced black olives
02 1 cup shredded iceberg lettuce
03 1/4 cup chopped green onions

For Serving

01 Tortilla chips for dipping

Directions

Step 01

Prepare Bean Base: Combine refried beans with taco seasoning in a medium bowl until thoroughly blended. Spread mixture evenly across the bottom of a 9x13-inch serving dish, creating a smooth foundation layer.

Step 02

Make Guacamole: Mash avocados in a separate bowl with lime juice and salt. Fold in diced red onion and tomato until incorporated but still slightly chunky. Spread guacamole gently over the bean layer.

Step 03

Add Sour Cream: Dollop sour cream over the guacamole layer. Using a spatula or back of a spoon, spread evenly to create a solid white layer, being careful not to disturb the guacamole beneath.

Step 04

Layer Salsa: Spread drained salsa over the sour cream layer. Ensure salsa is well-drained to prevent excess moisture from making layers soggy. Maintain distinct separation between layers.

Step 05

Add Cheese Layer: Combine shredded cheddar and Monterey Jack cheeses. Sprinkle evenly over the salsa layer, covering completely.

Step 06

Top with Olives: Distribute sliced black olives uniformly over the cheese layer.

Step 07

Finish with Fresh Toppings: Sprinkle shredded lettuce and chopped green onions over the top as the final garnish layer.

Step 08

Chill and Serve: Cover dish with plastic wrap and refrigerate for at least 1 hour to allow flavors to meld. Serve chilled with tortilla chips for dipping.

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Tools Needed

  • 9x13-inch serving dish or shallow platter
  • Medium mixing bowls
  • Spatula or large spoon
  • Knife and cutting board

Allergy info

Review every ingredient for potential allergens and ask a healthcare provider if you're not sure.
  • Contains dairy products (sour cream and cheese)
  • Verify refried beans are lard-free for strict vegetarian compliance
  • Use certified gluten-free tortilla chips for gluten-sensitive guests
  • Always review ingredient labels for potential allergens and cross-contamination

Nutrition Info (each portion)

Use this nutrition data as a guide. It's not a substitute for professional advice.
  • Energy: 260
  • Fats: 16 g
  • Carbohydrates: 22 g
  • Proteins: 7 g

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