<PAGE> PAGE 1
000 A000000 05/31/98
000 C000000 0000788599
000 D000000 N
000 E000000 NF
000 F000000 Y
000 G000000 N
000 H000000 N
000 I000000 3.0.a
000 J000000 U
001 A000000 VANGUARD NEW YORK TAX-FREE FUND
001 B000000 811-4570
001 C000000 6106691000
002 A000000 100 VANGUARD BOULEVARD
002 B000000 MALVERN
002 C000000 PA
002 D010000 19355
003 000000 N
004 000000 N
005 000000 N
006 000000 N
007 A000000 Y
007 B000000 2
007 C010100 1
007 C020100 INSURED LONG-TERM PORTFOLIO
007 C030100 N
007 C010200 2
007 C020200 MONEY MARKET PORTFOLIO
007 C030200 N
007 C010300 3
007 C010400 4
007 C010500 5
007 C010600 6
007 C010700 7
007 C010800 8
007 C010900 9
007 C011000 10
010 A00AA01 THE VANGUARD GROUP, INC.
010 B00AA01 801-11953
010 C01AA01 MALVERN
010 C02AA01 PA
010 C03AA01 19355
012 A00AA01 THE VANGUARD GROUP, INC.
012 B00AA01 84-772
012 C01AA01 MALVERN
012 C02AA01 PA
012 C03AA01 19355
013 A00AA01 PRICE WATERHOUSE LLP
013 B01AA01 PHILADELPHIA
013 B02AA01 PA
013 B03AA01 19103
014 A00AA01 VANGUARD MARKETING CORPORATION
<PAGE> PAGE 2
014 B00AA01 8-21570
015 A00AA01 CORESTATES BANK, N.A.
015 B00AA01 C
015 C01AA01 PHILADELPHIA
015 C02AA01 PA
015 C03AA01 19101
015 E01AA01 X
018 00AA00 Y
019 A00AA00 Y
019 B00AA00 97
019 C00AA00 VANGUARDGR
020 C000001 0
020 C000002 0
020 C000003 0
020 C000004 0
020 C000005 0
020 C000006 0
020 C000007 0
020 C000008 0
020 C000009 0
020 C000010 0
021 000000 0
022 A000001 GOLDMAN SACHS & CO.
022 B000001 13-5108880
022 C000001 208438
022 D000001 11500
022 A000002 MONEY MARKET PORTFOLIO/VANGUARD MUNI BOND FD
022 B000002 23-2471394
022 C000002 86615
022 D000002 54925
022 A000003 BEAR STERNS & CO.,INC.
022 B000003 13-3299429
022 C000003 107924
022 D000003 2822
022 A000004 MERRILL LYNCH PIERCE FENNER & SMITH
022 B000004 13-5674085
022 C000004 56588
022 D000004 41653
022 A000005 MORGAN STANLEY & CO., INC.
022 B000005 13-2655998
022 C000005 68538
022 D000005 17700
022 A000006 INTER.-TERM PORTFOLIO/VANGUARD MUNI BOND FD
022 B000006 23-2471389
022 C000006 53200
022 D000006 22900
022 A000007 SMITH BARNEY, INC.
022 B000007 13-1912900
022 C000007 34285
022 D000007 40700
022 A000008 INSURED LONG-TERM PORTFOLIO/NEW YORK TAX-FREE
<PAGE> PAGE 3
022 B000008 23-2388559
022 C000008 33497
022 D000008 30670
022 A000009 MONEY MARKET PORTFOLIO/NEW YORK TAX-FREE
022 B000009 23-2913069
022 C000009 29070
022 D000009 31897
022 A000010 FIRST ALBANY CORP.
022 B000010 14-1391446
022 C000010 52401
022 D000010 6700
023 C000000 990101
023 D000000 471996
024 00AA00 N
026 A000000 N
026 B000000 N
026 C000000 N
026 D000000 Y
026 E000000 N
026 F000000 N
026 G010000 N
026 G020000 Y
026 H000000 N
027 000000 Y
029 00AA00 N
030 A00AA00 0
030 B00AA00 0.00
030 C00AA00 0.00
031 A00AA00 0
031 B00AA00 0
032 00AA00 0
033 00AA00 0
034 00AA00 N
035 00AA00 0
036 B00AA00 0
037 00AA00 N
038 00AA00 0
039 00AA00 N
040 00AA00 N
042 A00AA00 0
042 B00AA00 0
042 C00AA00 0
042 D00AA00 0
042 E00AA00 0
042 F00AA00 0
042 G00AA00 0
042 H00AA00 0
043 00AA00 0
044 00AA00 0
045 00AA00 N
048 00AA00 0.000
<PAGE> PAGE 4
048 A01AA00 0
048 A02AA00 0.000
048 B01AA00 0
048 B02AA00 0.000
048 C01AA00 0
048 C02AA00 0.000
048 D01AA00 0
048 D02AA00 0.000
048 E01AA00 0
048 E02AA00 0.000
048 F01AA00 0
048 F02AA00 0.000
048 G01AA00 0
048 G02AA00 0.000
048 H01AA00 0
048 H02AA00 0.000
048 I01AA00 0
048 I02AA00 0.000
048 J01AA00 0
048 J02AA00 0.000
048 K01AA00 0
048 K02AA00 0.000
055 A00AA00 N
055 B00AA00 N
056 00AA00 N
057 00AA00 N
058 A00AA00 N
059 00AA00 Y
060 A00AA00 N
060 B00AA00 N
061 00AA00 3000
066 A00AA00 N
067 00AA00 N
068 A00AA00 N
068 B00AA00 N
069 00AA00 N
077 A000000 N
078 000000 N
080 A00AA00 ICI MUTUAL INSURANCE COMPANY
080 C00AA00 300000
081 A00AA00 Y
081 B00AA00 107
082 A00AA00 N
082 B00AA00 0
083 A00AA00 N
083 B00AA00 0
084 A00AA00 N
084 B00AA00 0
085 A00AA00 Y
085 B00AA00 N
028 A010100 31276
<PAGE> PAGE 5
028 A020100 5094
028 A030100 0
028 A040100 16096
028 B010100 41030
028 B020100 3718
028 B030100 0
028 B040100 19287
028 C010100 38259
028 C020100 3415
028 C030100 0
028 C040100 16724
028 D010100 35685
028 D020100 3857
028 D030100 0
028 D040100 14655
028 E010100 29661
028 E020100 3822
028 E030100 0
028 E040100 28722
028 F010100 27101
028 F020100 3952
028 F030100 0
028 F040100 16199
028 G010100 203012
028 G020100 23858
028 G030100 0
028 G040100 111683
028 H000100 0
062 A000100 Y
062 B000100 0.0
062 C000100 0.0
062 D000100 0.0
062 E000100 4.7
062 F000100 0.0
062 G000100 0.0
062 H000100 0.0
062 I000100 0.0
062 J000100 0.0
062 K000100 0.0
062 L000100 0.0
062 M000100 0.0
062 N000100 0.0
062 O000100 94.2
062 P000100 0.0
062 Q000100 0.0
062 R000100 1.1
063 A000100 0
063 B000100 10.1
064 A000100 Y
064 B000100 N
070 A010100 Y
<PAGE> PAGE 6
070 A020100 N
070 B010100 N
070 B020100 N
070 C010100 Y
070 C020100 N
070 D010100 N
070 D020100 N
070 E010100 Y
070 E020100 Y
070 F010100 N
070 F020100 N
070 G010100 Y
070 G020100 N
070 H010100 N
070 H020100 N
070 I010100 N
070 I020100 N
070 J010100 Y
070 J020100 N
070 K010100 Y
070 K020100 N
070 L010100 N
070 L020100 N
070 M010100 N
070 M020100 N
070 N010100 Y
070 N020100 N
070 O010100 Y
070 O020100 N
070 P010100 N
070 P020100 N
070 Q010100 N
070 Q020100 N
070 R010100 N
070 R020100 N
071 A000100 225845
071 B000100 94529
071 C000100 1130376
071 D000100 8
072 A000100 6
072 B000100 31909
072 C000100 0
072 D000100 0
072 E000100 0
072 F000100 78
072 G000100 645
072 H000100 0
072 I000100 331
072 J000100 8
072 K000100 0
072 L000100 18
<PAGE> PAGE 7
072 M000100 1
072 N000100 0
072 O000100 0
072 P000100 0
072 Q000100 0
072 R000100 4
072 S000100 0
072 T000100 163
072 U000100 0
072 V000100 2
072 W000100 2
072 X000100 1252
072 Y000100 66
072 Z000100 30723
072AA000100 6731
072BB000100 645
072CC010100 7346
072CC020100 0
072DD010100 30723
072DD020100 0
072EE000100 1756
073 A010100 0.2840
073 A020100 0.0000
073 B000100 0.0170
073 C000100 0.0000
074 A000100 76
074 B000100 0
074 C000100 59865
074 D000100 1187001
074 E000100 0
074 F000100 0
074 G000100 0
074 H000100 0
074 I000100 69
074 J000100 20137
074 K000100 0
074 L000100 23686
074 M000100 0
074 N000100 1290834
074 O000100 27842
074 P000100 504
074 Q000100 0
074 R010100 0
074 R020100 0
074 R030100 0
074 R040100 2209
074 S000100 0
074 T000100 1260279
074 U010100 112904
074 U020100 0
074 V010100 11.16
<PAGE> PAGE 8
074 V020100 0.00
074 W000100 0.0000
074 X000100 20678
074 Y000100 6171
075 A000100 0
075 B000100 1205789
076 000100 0.00
028 A010200 49251
028 A020200 471
028 A030200 0
028 A040200 12128
028 B010200 69011
028 B020200 554
028 B030200 0
028 B040200 24976
028 C010200 58485
028 C020200 543
028 C030200 0
028 C040200 22816
028 D010200 50118
028 D020200 682
028 D030200 0
028 D040200 29679
028 E010200 59102
028 E020200 810
028 E030200 0
028 E040200 41979
028 F010200 43363
028 F020200 905
028 F030200 0
028 F040200 19462
028 G010200 329330
028 G020200 3965
028 G030200 0
028 G040200 151040
028 H000200 0
062 A000200 Y
062 B000200 0.0
062 C000200 0.0
062 D000200 0.0
062 E000200 98.9
062 F000200 0.0
062 G000200 0.0
062 H000200 0.0
062 I000200 0.0
062 J000200 0.0
062 K000200 0.0
062 L000200 0.0
062 M000200 0.0
062 N000200 0.0
062 O000200 0.0
<PAGE> PAGE 9
062 P000200 0.0
062 Q000200 0.0
062 R000200 1.1
063 A000200 56
063 B000200 0.0
064 A000200 Y
064 B000200 N
070 A010200 Y
070 A020200 N
070 B010200 N
070 B020200 N
070 C010200 N
070 C020200 N
070 D010200 N
070 D020200 N
070 E010200 N
070 E020200 N
070 F010200 N
070 F020200 N
070 G010200 N
070 G020200 N
070 H010200 N
070 H020200 N
070 I010200 N
070 I020200 N
070 J010200 N
070 J020200 N
070 K010200 Y
070 K020200 N
070 L010200 N
070 L020200 N
070 M010200 N
070 M020200 N
070 N010200 Y
070 N020200 N
070 O010200 Y
070 O020200 N
070 P010200 N
070 P020200 N
070 Q010200 N
070 Q020200 N
070 R010200 N
070 R020200 N
071 A000200 0
071 B000200 0
071 C000200 0
071 D000200 0
072 A000200 6
072 B000200 4404
072 C000200 0
072 D000200 0
<PAGE> PAGE 10
072 E000200 0
072 F000200 13
072 G000200 145
072 H000200 0
072 I000200 64
072 J000200 3
072 K000200 0
072 L000200 1
072 M000200 0
072 N000200 0
072 O000200 0
072 P000200 0
072 Q000200 0
072 R000200 10
072 S000200 0
072 T000200 24
072 U000200 0
072 V000200 0
072 W000200 0
072 X000200 260
072 Y000200 3
072 Z000200 4147
072AA000200 1
072BB000200 0
072CC010200 0
072CC020200 0
072DD010200 4147
072DD020200 0
072EE000200 0
073 A010200 0.0160
073 A020200 0.0000
073 B000200 0.0000
073 C000200 0.0000
074 A000200 88
074 B000200 0
074 C000200 326739
074 D000200 0
074 E000200 0
074 F000200 0
074 G000200 0
074 H000200 0
074 I000200 17
074 J000200 0
074 K000200 0
074 L000200 4360
074 M000200 0
074 N000200 331204
074 O000200 0
074 P000200 27
074 Q000200 0
074 R010200 0
<PAGE> PAGE 11
074 R020200 0
074 R030200 0
074 R040200 962
074 S000200 0
074 T000200 330215
074 U010200 330215
074 U020200 0
074 V010200 1.00
074 V020200 0.00
074 W000200 0.9999
074 X000200 3736
074 Y000200 0
075 A000200 252061
075 B000200 0
076 000200 0.00
SIGNATURE GARY P. SOURA
TITLE MANAGER
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000788599
<NAME> VANGUARD NEW YORK TAX FREE FUND
<SERIES>
<NUMBER> 1
<NAME> INSURED LONG-TERM PORTFOLIO
<MULTIPLIER> 1000
<CURRENCY> US
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> NOV-30-1998
<PERIOD-START> DEC-01-1997
<PERIOD-END> MAY-31-1998
<EXCHANGE-RATE> 1
<INVESTMENTS-AT-COST> 1168395
<INVESTMENTS-AT-VALUE> 1246866
<RECEIVABLES> 43823
<ASSETS-OTHER> 145
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 1290834
<PAYABLE-FOR-SECURITIES> 27842
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 2713
<TOTAL-LIABILITIES> 30555
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 1178271
<SHARES-COMMON-STOCK> 112904
<SHARES-COMMON-PRIOR> 102593
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 3882
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 78126
<NET-ASSETS> 1260279
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 31909
<OTHER-INCOME> 0
<EXPENSES-NET> 1186
<NET-INVESTMENT-INCOME> 30723
<REALIZED-GAINS-CURRENT> 6086
<APPREC-INCREASE-CURRENT> 7346
<NET-CHANGE-FROM-OPS> 44155
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 30723
<DISTRIBUTIONS-OF-GAINS> 1756
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 18188
<NUMBER-OF-SHARES-REDEEMED> 10018
<SHARES-REINVESTED> 2141
<NET-CHANGE-IN-ASSETS> 126863
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 448
<GROSS-ADVISORY-FEES> 78
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1252
<AVERAGE-NET-ASSETS> 1205789
<PER-SHARE-NAV-BEGIN> 11.05
<PER-SHARE-NII> 0.284
<PER-SHARE-GAIN-APPREC> 0.127
<PER-SHARE-DIVIDEND> 0.284
<PER-SHARE-DISTRIBUTIONS> 0.017
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 11.16
<EXPENSE-RATIO> 0.21
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000788599
<NAME> VANGUARD NEW YORK TAX FREE FUND
<SERIES>
<NUMBER> 2
<NAME> MONEY MARKET PORTFOLIO
<MULTIPLIER> 1000
<CURRENCY> US
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> NOV-30-1998
<PERIOD-START> DEC-01-1997
<PERIOD-END> MAY-31-1998
<EXCHANGE-RATE> 1
<INVESTMENTS-AT-COST> 326739
<INVESTMENTS-AT-VALUE> 326739
<RECEIVABLES> 4360
<ASSETS-OTHER> 105
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 331204
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 989
<TOTAL-LIABILITIES> 989
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 330215
<SHARES-COMMON-STOCK> 330215
<SHARES-COMMON-PRIOR> 147960
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 330215
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 4404
<OTHER-INCOME> 0
<EXPENSES-NET> 257
<NET-INVESTMENT-INCOME> 4147
<REALIZED-GAINS-CURRENT> 1
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 4148
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 4147
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 329330
<NUMBER-OF-SHARES-REDEEMED> 151040
<SHARES-REINVESTED> 3965
<NET-CHANGE-IN-ASSETS> 182256
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (1)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 13
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 260
<AVERAGE-NET-ASSETS> 252061
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> 0.016
<PER-SHARE-GAIN-APPREC> 0
<PER-SHARE-DIVIDEND> 0.016
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> 0.21
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
