Creamy Taco Soup

Featured in: Everyday Meal Ideas

This hearty bowl brings together bold Mexican spices in a rich, velvety broth that warms you from the inside out. Ground beef creates a savory base, while black beans, sweet corn, and diced tomatoes add layers of texture and flavor. The secret lies in the finish—heavy cream and sharp cheddar melt into the simmering broth, creating an indulgently smooth consistency that coats every spoonful.

What makes this special is how quickly it comes together. Brown the meat, sauté your vegetables, add spices and beans, then let everything simmer. The final touch of cream and cheese transforms it into something truly special. Perfect for cold weather, feeding a crowd, or meal prep for the week ahead.

Updated on Wed, 28 Jan 2026 13:38:00 GMT
Creamy Taco Soup steaming in a rustic bowl, topped with shredded cheese, green onions, and a dollop of sour cream. Save to Pinterest
Creamy Taco Soup steaming in a rustic bowl, topped with shredded cheese, green onions, and a dollop of sour cream. | pantryoffset.com

The first time I made this creamy taco soup, snow was falling outside my kitchen window, creating that perfect backdrop for comfort food experimentation. I'd been craving something with the bold flavors of tacos but in a form that would warm me from the inside out. The way the spices bloomed in the pot that afternoon filled my small apartment with an aroma that made my neighbor actually knock on my door to ask what I was cooking. That's when I knew this recipe was going to be special.

Last winter, I brought this soup to our neighborhood potluck during a particularly brutal cold snap. My container came back completely empty, with three separate people cornering me for the recipe before I could even make it back to my car. What made me smile most was watching my friend Marcos daughter, who normally picks at her food, go back for seconds and then ask if I could teach her mom how to make it.

Ingredients

  • Ground beef: I prefer using 80/20 ground beef because the little bit of fat adds so much flavor, but Ive made it with turkey on healthier weeks and it still satisfies.
  • Heavy cream: This transforms the soup from good to memorably decadent, creating a silky texture that carries all those bold spices.
  • Taco seasoning: While store-bought works perfectly fine, Ive found mixing my own gives me control over the salt level and heat, plus it makes the kitchen smell amazing.
  • Black beans: Be sure to rinse these thoroughly as that canning liquid can add an unwanted metallic taste to your beautiful soup.
  • Cheddar cheese: Splurge on a block and shred it yourself if possible, as pre-shredded has anti-caking agents that affect how smoothly it melts into the soup.

Instructions

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Brown the meat:
Start by heating your pot over medium-high heat and add the ground beef, breaking it apart with your spoon as it cooks. Listen for that satisfying sizzle and watch for the meat to turn from pink to rich brown.
Build the aromatic base:
Toss in those diced onions, garlic, and bell pepper, letting them soften alongside the browned meat. The kitchen will start filling with that irresistible savory scent that makes everyone suddenly appear and ask when dinner will be ready.
Bloom the spices:
This is where magic happens stir in all those colorful spices and let them toast for about a minute. Youll know youre doing it right when the aroma suddenly intensifies and makes your mouth water.
Simmer to perfection:
Pour in the tomatoes, corn, beans, and broth, bringing everything to a gentle bubble. This 15-minute simmer lets all those flavors get acquainted while you can step back and enjoy the anticipation.
Create the creamy finish:
Reduce the heat before adding the cream and cheese, this is crucial to prevent curdling. Watch as the soup transforms before your eyes, turning velvety and rich as you stir in these final ingredients.
Garnish with joy:
This is where you can get creative ladle the soup into bowls and top with green onions, extra cheese, maybe some crushed tortilla chips for texture. Each bowl becomes a personalized masterpiece.
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Keeps spices within easy reach while cooking, helping you season dishes quickly during everyday meal prep.
Check price on Amazon
A pot of Creamy Taco Soup simmering with ground beef, black beans, corn, and peppers on a cozy winter night. Save to Pinterest
A pot of Creamy Taco Soup simmering with ground beef, black beans, corn, and peppers on a cozy winter night. | pantryoffset.com

My partner isnt usually one for leftovers, but I caught him standing at the refrigerator at midnight, eating this soup cold straight from the container. When I teased him about it, he just shrugged and said, Some things are too good to wait for. Now whenever I make a pot, I automatically double the recipe because I know it will disappear faster than I can plan for lunch the next day.

Making It Your Own

The beauty of this soup lies in its adaptability. On days when the vegetable drawer needs clearing out, Ive tossed in diced zucchini, spinach, or even some roasted sweet potatoes. The soup seems to welcome these additions like old friends, incorporating them into its rich tapestry of flavors without losing its essential taco soul. Think of the recipe as a starting point rather than a rigid set of rules.

Serving Suggestions

While this soup is certainly hearty enough to stand alone, theres something about serving it with warm, lightly toasted corn tortillas on the side that elevates the whole experience. The contrast between the creamy soup and the slight crunch of the tortilla creates a textural playground that keeps each bite interesting. For casual gatherings, I set up a toppings bar and let everyone customize their bowl.

Storage and Reheating

Perhaps the greatest quality of this creamy taco soup is how well it keeps in the refrigerator, somehow becoming even more flavorful as the ingredients continue their delicious conversation overnight. When reheating, the key is patience using gentle heat and stirring occasionally prevents the dairy from separating and maintains that luscious texture we work so hard to achieve.

  • Store leftovers in an airtight container in the refrigerator for up to 3 days, though it rarely lasts that long in my house.
  • Reheat on the stovetop over medium-low heat rather than using the microwave to preserve the creamy texture.
  • If the soup thickens too much during storage, add a splash of broth or milk when reheating to bring it back to your preferred consistency.
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Spoon diving into a rich bowl of Creamy Taco Soup, garnished with cilantro and crunchy tortilla chips for serving. Save to Pinterest
Spoon diving into a rich bowl of Creamy Taco Soup, garnished with cilantro and crunchy tortilla chips for serving. | pantryoffset.com

This creamy taco soup has taught me that comfort food doesnt have to be predictable to be satisfying. Each time I make it, the recipe evolves slightly, like a good story that gets better in the retelling.

Recipe FAQs

Can I make this soup ahead of time?

Absolutely. This actually tastes better the next day as flavors have time to meld. Store in an airtight container in the refrigerator for up to 4 days. Reheat gently over medium-low heat, adding a splash of broth if needed to thin the consistency.

Can I freeze this soup?

Yes, though it's best to freeze before adding the cream and cheese. Let the soup cool completely, transfer to freezer-safe containers, and freeze for up to 3 months. Thaw overnight in the refrigerator, reheat, then stir in the cream and cheese just before serving.

What can I substitute for heavy cream?

Coconut milk works well for a dairy-free option and adds subtle sweetness. Half-and-half creates a lighter version. For a thicker consistency without cream, mash a portion of the black beans before adding them to the pot.

How can I make this vegetarian?

Skip the ground beef entirely or replace with plant-based crumbles. Use vegetable broth instead of chicken or beef. Consider adding extra black beans or meaty mushrooms like portobello to maintain the hearty texture and protein content.

What toppings work best?

Crushed tortilla chips add essential crunch. Fresh cilantro brings brightness. Sour cream cools the heat. Diced avocado creates creaminess. Lime wedges squeezed over just before eating cuts through the richness. Pickled jalapeños work wonderfully if you enjoy spice.

How can I adjust the spice level?

Start with less chili powder and add gradually to taste. For mild heat, use paprika instead of smoked paprika. To increase heat, add diced jalapeños with the vegetables, cayenne pepper with the spices, or serve with hot sauce on the side.

Creamy Taco Soup

Rich, comforting soup with bold taco flavors and creamy texture. Loaded with hearty ingredients and ready in 45 minutes.

Prep Time
15 min
Cook Time
30 min
Total Time
45 min
Recipe by Pantry Offset Lucas Howard


Skill Level Easy

Cuisine Tex-Mex

Makes 6 Serving Size

Dietary Info None specified

What You'll Need

Meats

01 1 pound ground beef or ground turkey

Vegetables

01 1 medium yellow onion, diced
02 2 cloves garlic, minced
03 1 red bell pepper, diced
04 1 can (14 ounces) diced tomatoes with juice
05 1 can (14 ounces) sweet corn, drained
06 1 can (14 ounces) black beans, drained and rinsed
07 2 green onions, sliced for garnish

Dairy

01 3/4 cup plus 2 tablespoons heavy cream
02 1 cup shredded cheddar cheese, plus additional for garnish

Liquids

01 3 cups chicken or beef broth

Spices and Seasonings

01 2 tablespoons taco seasoning
02 1 teaspoon ground cumin
03 1 teaspoon smoked paprika
04 1/2 teaspoon chili powder
05 1/2 teaspoon salt
06 1/4 teaspoon black pepper

Optional Toppings

01 Sour cream
02 Fresh cilantro, chopped
03 Crushed tortilla chips
04 Lime wedges

Directions

Step 01

Brown the Ground Meat: In a large pot or Dutch oven, cook the ground beef over medium-high heat until browned and crumbly. Drain excess fat if necessary.

Step 02

Sauté Aromatics and Vegetables: Add the diced onion, garlic, and bell pepper. Sauté for 4 to 5 minutes until softened.

Step 03

Bloom Spices: Stir in the taco seasoning, cumin, smoked paprika, chili powder, salt, and pepper. Cook for 1 minute until fragrant.

Step 04

Build the Broth Base: Add the diced tomatoes with juice, corn, black beans, and broth. Stir well and bring to a gentle boil.

Step 05

Simmer the Soup: Reduce heat and simmer for 15 minutes, stirring occasionally.

Step 06

Finish with Cream and Cheese: Lower the heat, then stir in the heavy cream and shredded cheddar cheese. Cook for 2 to 3 minutes until the cheese is melted and the soup achieves a creamy consistency. Do not boil after adding cream.

Step 07

Season and Serve: Adjust seasoning as needed. Ladle into bowls and garnish with green onions, additional cheese, and preferred toppings.

Equipment Needed

  • Large soup pot or Dutch oven
  • Wooden spoon or silicone spatula
  • Chef's knife
  • Cutting board
  • Ladle

Allergy Details

Go through every ingredient to spot any allergens and check with your doctor if you’re unsure.
  • Contains dairy: heavy cream and cheddar cheese
  • May contain gluten: verify labels on store-bought broth and taco seasoning
  • May contain soy: present in some store-bought taco seasoning
  • Contains corn: from canned corn and tortilla chip garnish
  • Contains legumes: black beans

Nutrition Information (one serving)

These values are for general reference and shouldn’t substitute for professional medical advice.
  • Calories: 485
  • Total Fat: 28 g
  • Carbohydrates: 29 g
  • Protein: 27 g