<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
019 B00AA00 96
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 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
024 00AA00 N
025 D00AA01 0
025 D00AA02 0
025 D00AA03 0
025 D00AA04 0
025 D00AA05 0
025 D00AA06 0
025 D00AA07 0
025 D00AA08 0
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
<PAGE> PAGE 4
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
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 Y
077 B000000 Y
077 C000000 Y
077 D000000 N
077 E000000 N
077 F000000 N
077 G000000 N
<PAGE> PAGE 5
077 H000000 N
077 I000000 N
077 J000000 N
077 K000000 N
077 L000000 N
077 M000000 N
077 N000000 N
077 O000000 N
077 P000000 N
077 Q010000 N
077 Q020000 N
077 Q030000 N
078 000000 N
080 A00AA00 ICI MUTUAL INSURANCE COMPANY
080 C00AA00 350000
081 A00AA00 Y
081 B00AA00 180
082 A00AA00 N
082 B00AA00 0
083 A00AA00 N
083 B00AA00 0
084 A00AA00 N
084 B00AA00 0
085 A00AA00 Y
085 B00AA00 N
086 A010000 0
086 A020000 0
086 B010000 0
086 B020000 0
086 C010000 0
086 C020000 0
086 D010000 0
086 D020000 0
086 E010000 0
086 E020000 0
086 F010000 0
086 F020000 0
028 A010100 43005
028 A020100 3865
028 A030100 0
028 A040100 23375
028 B010100 33422
028 B020100 4020
028 B030100 0
028 B040100 16867
028 C010100 43204
028 C020100 4124
028 C030100 0
028 C040100 15057
028 D010100 30046
028 D020100 4076
<PAGE> PAGE 6
028 D030100 0
028 D040100 17419
028 E010100 32472
028 E020100 4210
028 E030100 0
028 E040100 15586
028 F010100 27018
028 F020100 4130
028 F030100 0
028 F040100 15837
028 G010100 209167
028 G020100 24425
028 G030100 0
028 G040100 104141
028 H000100 0
062 A000100 Y
062 B000100 0.0
062 C000100 0.0
062 D000100 0.0
062 E000100 5.0
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 93.6
062 P000100 0.0
062 Q000100 0.0
062 R000100 1.4
063 A000100 0
063 B000100 9.0
064 A000100 Y
064 B000100 N
070 A010100 Y
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
<PAGE> PAGE 7
070 H010100 N
070 H020100 N
070 I010100 N
070 I020100 N
070 J010100 Y
070 J020100 N
070 K010100 N
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 Y
070 P020100 Y
070 Q010100 N
070 Q020100 N
070 R010100 N
070 R020100 N
071 A000100 435794
071 B000100 200631
071 C000100 1215604
071 D000100 17
072 A000100 12
072 B000100 66523
072 C000100 0
072 D000100 0
072 E000100 0
072 F000100 160
072 G000100 1473
072 H000100 0
072 I000100 665
072 J000100 16
072 K000100 0
072 L000100 26
072 M000100 2
072 N000100 0
072 O000100 0
072 P000100 0
072 Q000100 0
072 R000100 8
072 S000100 0
072 T000100 309
072 U000100 0
072 V000100 3
072 W000100 4
072 X000100 2666
072 Y000100 138
<PAGE> PAGE 8
072 Z000100 63995
072AA000100 16623
072BB000100 3018
072CC010100 16031
072CC020100 0
072DD010100 63995
072DD020100 0
072EE000100 1756
073 A010100 0.5640
073 A020100 0.0000
073 B000100 0.0170
073 C000100 0.0000
074 A000100 448
074 B000100 0
074 C000100 69934
074 D000100 1316040
074 E000100 0
074 F000100 0
074 G000100 0
074 H000100 0
074 I000100 259
074 J000100 0
074 K000100 0
074 L000100 25456
074 M000100 0
074 N000100 1412137
074 O000100 2000
074 P000100 467
074 Q000100 0
074 R010100 0
074 R020100 0
074 R030100 0
074 R040100 3736
074 S000100 0
074 T000100 1405934
074 U010100 124426
074 U020100 0
074 V010100 11.30
074 V020100 0.00
074 W000100 0.0000
074 X000100 21063
074 Y000100 6231
075 A000100 0
075 B000100 1273527
076 000100 0.00
028 A010200 47635
028 A020200 903
028 A030200 0
028 A040200 27797
028 B010200 61002
028 B020200 940
<PAGE> PAGE 9
028 B030200 0
028 B040200 26488
028 C010200 52390
028 C020200 1001
028 C030200 0
028 C040200 25986
028 D010200 49178
028 D020200 1070
028 D030200 0
028 D040200 37079
028 E010200 50944
028 E020200 1111
028 E030200 0
028 E040200 24508
028 F010200 50917
028 F020200 1112
028 F030200 0
028 F040200 23093
028 G010200 312066
028 G020200 6137
028 G030200 0
028 G040200 164951
028 H000200 0
062 A000200 Y
062 B000200 0.0
062 C000200 0.0
062 D000200 0.0
062 E000200 98.8
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
062 P000200 0.0
062 Q000200 0.0
062 R000200 1.2
063 A000200 64
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
<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
070 J020200 Y
070 K010200 N
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 Y
070 P020200 Y
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 12
072 B000200 11141
072 C000200 0
072 D000200 0
072 E000200 0
072 F000200 36
072 G000200 348
072 H000200 0
072 I000200 159
072 J000200 6
072 K000200 0
072 L000200 1
072 M000200 0
072 N000200 0
072 O000200 0
072 P000200 0
072 Q000200 0
<PAGE> PAGE 11
072 R000200 14
072 S000200 0
072 T000200 74
072 U000200 0
072 V000200 0
072 W000200 0
072 X000200 638
072 Y000200 6
072 Z000200 10509
072AA000200 0
072BB000200 2
072CC010200 0
072CC020200 0
072DD010200 10509
072DD020200 0
072EE000200 0
073 A010200 0.0320
073 A020200 0.0000
073 B000200 0.0000
073 C000200 0.0000
074 A000200 93
074 B000200 0
074 C000200 477682
074 D000200 0
074 E000200 0
074 F000200 0
074 G000200 0
074 H000200 0
074 I000200 84
074 J000200 0
074 K000200 0
074 L000200 7656
074 M000200 0
074 N000200 485515
074 O000200 0
074 P000200 61
074 Q000200 0
074 R010200 0
074 R020200 0
074 R030200 0
074 R040200 1990
074 S000200 0
074 T000200 483464
074 U010200 483468
074 U020200 0
074 V010200 1.00
074 V020200 0.00
074 W000200 1.0003
074 X000200 4760
074 Y000200 0
075 A000200 329054
<PAGE> PAGE 12
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 FUNDS
<SERIES>
<NUMBER> 01
<NAME> VANGUARD NEW YORK INSURED LONG-TERM TAX-EXEMPT FUND
<MULTIPLIER> 1000
<CURRENCY> US
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> NOV-30-1998
<PERIOD-START> DEC-01-1997
<PERIOD-END> NOV-30-1998
<EXCHANGE-RATE> 1
<INVESTMENTS-AT-COST> 1297595
<INVESTMENTS-AT-VALUE> 1385974
<RECEIVABLES> 25456
<ASSETS-OTHER> 707
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 1412137
<PAYABLE-FOR-SECURITIES> 2000
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 4203
<TOTAL-LIABILITIES> 6203
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 1307722
<SHARES-COMMON-STOCK> 124426
<SHARES-COMMON-PRIOR> 102593
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 11401
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 86811
<NET-ASSETS> 1405934
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 66523
<OTHER-INCOME> 0
<EXPENSES-NET> 2528
<NET-INVESTMENT-INCOME> 63995
<REALIZED-GAINS-CURRENT> 13605
<APPREC-INCREASE-CURRENT> 16031
<NET-CHANGE-FROM-OPS> 93631
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 63995
<DISTRIBUTIONS-OF-GAINS> 1756
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 36807
<NUMBER-OF-SHARES-REDEEMED> 19284
<SHARES-REINVESTED> 4309
<NET-CHANGE-IN-ASSETS> 272518
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 448
<GROSS-ADVISORY-FEES> 160
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 2666
<AVERAGE-NET-ASSETS> 1273527
<PER-SHARE-NAV-BEGIN> 11.05
<PER-SHARE-NII> 0.564
<PER-SHARE-GAIN-APPREC> 0.267
<PER-SHARE-DIVIDEND> 0.564
<PER-SHARE-DISTRIBUTIONS> 0.017
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 11.30
<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 FUNDS
<SERIES>
<NUMBER> 02
<NAME> VANGUARD NEW YORK TAX-EXEMPT MONEY MARKET FUND
<MULTIPLIER> 1000
<CURRENCY> US
<S> <C>
<PERIOD-TYPE> YEAR
<FISCAL-YEAR-END> NOV-30-1998
<PERIOD-START> DEC-01-1997
<PERIOD-END> NOV-30-1998
<EXCHANGE-RATE> 1
<INVESTMENTS-AT-COST> 477682
<INVESTMENTS-AT-VALUE> 477682
<RECEIVABLES> 7656
<ASSETS-OTHER> 177
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 485515
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 2051
<TOTAL-LIABILITIES> 2051
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 483467
<SHARES-COMMON-STOCK> 483468
<SHARES-COMMON-PRIOR> 147960
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (3)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 483464
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 11141
<OTHER-INCOME> 0
<EXPENSES-NET> 632
<NET-INVESTMENT-INCOME> 10509
<REALIZED-GAINS-CURRENT> (2)
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 10507
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 10509
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 641396
<NUMBER-OF-SHARES-REDEEMED> 315991
<SHARES-REINVESTED> 10102
<NET-CHANGE-IN-ASSETS> 335505
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (1)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 36
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 638
<AVERAGE-NET-ASSETS> 329054
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> 0.032
<PER-SHARE-GAIN-APPREC> 0
<PER-SHARE-DIVIDEND> 0.032
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> 0.19
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>