VANGUARD NEW YORK INSURED TAX FREE FUND
NSAR-A, 1999-01-20
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<PAGE>      PAGE  1
000 A000000 11/30/98
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 FUNDS
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 VANGUARD NY INSURED LONG-TERM TAX-EXEMPT FUND
007 C030100 N
007 C010200  2
007 C020200 VANGUARD NY TAX-EXEMPT MONEY MARKET FUND
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 PRICEWATERHOUSECOOPERS LLP
013 B01AA01 PHILADELPHIA
013 B02AA01 PA
013 B03AA01 19103
014 A00AA01 VANGUARD MARKETING CORPORATION
<PAGE>      PAGE  2
014 B00AA01 8-21570
015 A00AA01 FIRST UNION NATIONAL BANK
015 B00AA01 C
015 C01AA01 PHILADELPHIA
015 C02AA01 PA
015 C03AA01 19101
015 E01AA01 X
018  00AA00 Y
019 A00AA00 Y
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019 C00AA00 VANGUARDGR
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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    483525
022 D000001     24156
022 A000002 TAX-EXEMPT MONEY MARKET/VANGUARD MUNI BOND FD
022 B000002 23-2471394
022 C000002    175810
022 D000002    105455
022 A000003 BEAR STERNS & CO.,INC.
022 B000003 13-3299429
022 C000003    183783
022 D000003     58233
022 A000004 MORGAN STANLEY & CO., INC.
022 B000004 13-2655998
022 C000004    136456
022 D000004     92889
022 A000005 MERRILL LYNCH, PIERCE, FENNER & SMITH INC.
022 B000005 13-5674085
022 C000005    112609
022 D000005     55253
022 A000006 SMITH BARNEY INC.
022 B000006 13-1912900
022 C000006     89076
022 D000006     68100
022 A000007 INTERMEDIATE-TERM TAX-EXEMPT/VANGUARD MUNI BD
022 B000007 23-2471389
022 C000007    118185
022 D000007     33500
022 A000008 LEHMAN BROTHERS INC.
<PAGE>      PAGE  3
022 B000008 13-2518466
022 C000008    127295
022 D000008     13433
022 A000009 FIRST ALBANY CORP.
022 B000009 14-1391446
022 C000009    122875
022 D000009     11500
022 A000010 PAINEWEBBER INC.
022 B000010 13-2638166
022 C000010     77554
022 D000010     50639
023 C000000    2167791
023 D000000     988289
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<PAGE>      PAGE  4
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048 K01AA00        0
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055 A00AA00 N
055 B00AA00 N
056  00AA00 N
057  00AA00 N
058 A00AA00 N
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060 A00AA00 N
060 B00AA00 N
061  00AA00     3000
066 A00AA00 N
067  00AA00 N
068 A00AA00 N
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077 A000000 Y
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<PAGE>      PAGE  5
077 H000000 N
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078  000000 N
080 A00AA00 ICI MUTUAL INSURANCE COMPANY
080 C00AA00   350000
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082 A00AA00 N
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<PAGE>      PAGE  6
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<PAGE>      PAGE  7
070 H010100 N
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<PAGE>      PAGE  8
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<PAGE>      PAGE  9
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<PAGE>      PAGE  10
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 Y
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070 K010200 N
070 K020200 N
070 L010200 N
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070 M010200 N
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<PAGE>      PAGE  11
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<PAGE>      PAGE  12
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SIGNATURE   GARY P. SOURA                                
TITLE       MANAGER             
 


<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000788599
<NAME> VANGUARD NEW YORK TAX-FREE FUNDS
<SERIES>
   <NUMBER> 01
   <NAME> VANGUARD NEW YORK INSURED LONG-TERM TAX-EXEMPT FUND
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<CURRENCY> US
       
<S>                             <C>
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</TABLE>

<TABLE> <S> <C>

<ARTICLE> 6
<CIK> 0000788599
<NAME> VANGUARD NEW YORK TAX-FREE FUNDS
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   <NUMBER> 02
   <NAME> VANGUARD NEW YORK TAX-EXEMPT MONEY MARKET FUND
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</TABLE>


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