Loaded Baked Potato Chili Cheese

Featured in: Rustic Family Favorites

This dish features tender baked russet potatoes loaded with a savory chili and black bean mixture, topped with melted cheddar cheese and fresh garnishes like sour cream, green onions, and diced tomatoes. The potatoes are baked until the skins are crisp and the insides fluffy, creating a perfect base for hearty, flavorful toppings. This versatile meal offers options to customize with jalapeños for heat or vegan substitutions for dairy. Ideal for quick preparation and satisfying family dinners.

Updated on Wed, 19 Nov 2025 08:38:00 GMT
Golden-brown Loaded Baked Potato with chili, cheese, and vibrant green onions on top. Pin It
Golden-brown Loaded Baked Potato with chili, cheese, and vibrant green onions on top. | lushkettle.com

A hearty, comforting dish featuring fluffy baked potatoes topped with savory chili, creamy beans, and melted cheese. Perfect for a quick meal or customizable family dinner.

I often make these loaded baked potatoes when I want a satisfying dinner without a lot of effort. The layers of flavors mean everyone can build their own, adding the toppings they like best.

Ingredients

  • Potatoes: 4 large russet potatoes, scrubbed
  • Olive Oil: 2 tbsp
  • Sea Salt: 1 tsp
  • Chili: 2 cups prepared chili (meat or vegetarian)
  • Black Beans: 1 cup canned black beans, drained and rinsed
  • Cheddar Cheese: 1 cup shredded
  • Sour Cream: 1/2 cup
  • Green Onions: 1/4 cup chopped
  • Tomatoes: 1/4 cup diced
  • Jalapeño: 1 sliced (optional)
  • Salt and Pepper: to taste

Instructions

Prep Oven and Potatoes:
Preheat the oven to 425°F (220°C). Prick each potato several times with a fork. Rub with olive oil and sprinkle with sea salt.
Bake Potatoes:
Place potatoes directly on the oven rack and bake for 50 to 60 minutes, or until skins are crisp and flesh is tender.
Warm Chili and Beans:
While the potatoes are baking, heat the chili and black beans together in a saucepan over medium heat until hot, stirring occasionally.
Prepare Potatoes:
Remove potatoes from the oven. Let cool slightly, then slice each potato lengthwise and gently fluff the insides with a fork.
Assemble:
Spoon the chili and bean mixture evenly over each potato.
Add Toppings:
Top with shredded cheese (allow to melt), then add sour cream, green onions, diced tomatoes, and jalapeño slices as desired. Season with salt and pepper.
Serve:
Serve hot, with additional toppings on the side if desired.
A close-up shot of a steaming Loaded Baked Potato, brimming with chili and gooey cheese. Pin It
A close-up shot of a steaming Loaded Baked Potato, brimming with chili and gooey cheese. | lushkettle.com

On busy school nights, this recipe brings everyone to the table with smiles, and I love seeing the kids decorate their potatoes with their favorite toppings.

Required Tools

Oven, optional baking sheet, saucepan, knife, and fork help make preparation simple and cleanup a breeze.

Allergen Information

Dishes contain dairy, but are gluten-free if you choose gluten-free chili and toppings. Always check labels for allergens and cross-contact risks.

Nutritional Information

Each serving has about 480 calories, 17 g fat, 62 g carbohydrates, and 18 g protein, making it a balanced, filling entrée.

Textured image: a fully-loaded Baked Potato bursting with flavorful chili and various toppings. Pin It
Textured image: a fully-loaded Baked Potato bursting with flavorful chili and various toppings. | lushkettle.com

Loaded baked potatoes with chili and cheese are always a hit, especially when everyone personalizes their own. Enjoy this comforting meal any night of the week!

Recipe Questions & Answers

How do I ensure potatoes bake evenly?

Prick the potatoes several times with a fork and bake directly on the oven rack for crisp skins and fluffy interiors.

Can I prepare this with a vegetarian chili?

Yes, using vegetarian chili with beans keeps the dish hearty and suitable for vegetarian diets.

What toppings complement this dish well?

Cheddar cheese, sour cream, green onions, diced tomatoes, and jalapeño slices add layers of flavor and texture.

Is this meal suitable for gluten-free diets?

Yes, provided the chili and toppings are gluten-free, this meal fits gluten-sensitive requirements.

How can I make a vegan version?

Substitute vegan cheese and plant-based sour cream to keep the dish fully plant-based without sacrificing flavor.

Can leftovers be stored and reheated?

Leftover chili can be refrigerated and reheated; reassemble potatoes fresh for best texture.

Loaded Baked Potato Chili Cheese

Baked russet potatoes topped with chili, black beans, cheddar, and fresh toppings for a comforting dinner.

Time to Prep
10 mins
Time to Cook
60 mins
Full Prep Time
70 mins
Created By Samantha Reeves


Skill Level Easy

Culinary Tradition American

Portion 4 Serving Size

Dietary Details Meat-Free, No Gluten

What You Need

Potatoes

01 4 large russet potatoes, scrubbed
02 2 tablespoons olive oil
03 1 teaspoon sea salt

Chili & Beans

01 2 cups prepared chili (meat or vegetarian)
02 1 cup canned black beans, drained and rinsed

Toppings

01 1 cup shredded cheddar cheese
02 ½ cup sour cream
03 ¼ cup chopped green onions
04 ¼ cup diced tomatoes
05 1 jalapeño, sliced (optional)
06 Salt and pepper, to taste

Steps

Step 01

Preheat oven: Set the oven to 425°F and prepare for baking.

Step 02

Prepare potatoes: Pierce each potato several times with a fork, rub with olive oil, and sprinkle with sea salt.

Step 03

Bake potatoes: Place the potatoes directly on the oven rack and bake for 50 to 60 minutes until skins are crisp and interiors tender.

Step 04

Heat chili and beans: Warm chili and black beans together in a saucepan over medium heat, stirring occasionally until hot.

Step 05

Prepare potatoes for topping: Remove potatoes from oven, allow to cool slightly, then slice lengthwise and gently fluff the interiors with a fork.

Step 06

Assemble loaded potatoes: Spoon chili and bean mixture evenly over each potato’s fluffy interior.

Step 07

Add toppings: Sprinkle shredded cheddar cheese on top allowing it to melt, then add sour cream, green onions, diced tomatoes, and jalapeño slices as desired; season with salt and pepper.

Step 08

Serve: Serve immediately while hot, with optional additional toppings on the side.

Tools You'll Need

  • Oven
  • Saucepan
  • Knife
  • Fork

Allergy Info

Review every ingredient for allergens and reach out to your doctor with concerns.
  • Contains dairy from cheese and sour cream; verify chili and cheese labels for potential allergens and cross-contamination.

Nutrition Info (per portion)

Details offered for informational purposes, not as a substitute for professional health guidance.
  • Calories: 480
  • Fats: 17 g
  • Carbohydrates: 62 g
  • Proteins: 18 g