In a 9x13 inch casserole dish, layer onions, potatoes and ground beef. Sprinkle rice over ground beef. Top with celery and carrots. Season with salt and pepper.
In a small bowl, stir together tomato soup and water. Pour evenly into casserole dish. Cover with aluminum foil.
Bake for 1 hour 30 minutes. Let cool about 10 minutes before serving.