Prep the produce. Dice the bell pepper, chop the onion, halve the tomatoes, and mince the jalapeño. Rinse and drain the black beans thoroughly to remove extra starch and salt.
Combine the base. In a large bowl, add the black beans, corn, bell pepper, onion, tomatoes, jalapeño, and cilantro.
Make the dressing. In a small bowl or jar, whisk together lime zest, lime juice, olive oil, cumin, chili powder, honey (if using), and a generous pinch of salt and pepper.
Toss and taste. Pour the dressing over the salad and toss gently until everything is coated.
Taste and adjust with more lime, salt, or pepper as needed.
Add avocado last. If using avocado, fold it in just before serving to keep it from getting mushy or browning.
Let it rest (if you can). For best flavor, chill for 20–30 minutes to let the ingredients mingle. Serve cold or at room temperature.