<PAGE> PAGE 1
000 A000000 05/31/98
000 C000000 0000821404
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 JERSEY TAX-FREE FUND
001 B000000 811-5340
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 MERRILL LYNCH PIERCE FENNER & SMITH
022 B000001 13-5674085
022 C000001 383700
022 D000001 25014
022 A000002 GOLDMAN SACHS & CO.
022 B000002 13-5108880
022 C000002 332510
022 D000002 15800
022 A000003 INTERMEDIATE-TERM PORTFOLIO/VANGUARD MUNI BD
022 B000003 23-2471389
022 C000003 74100
022 D000003 89300
022 A000004 LEHMAN BROTHERS INC.
022 B000004 13-2518466
022 C000004 119380
022 D000004 0
022 A000005 MONEY MARKET PORTFOLIO/VANGUARD MUNI BOND FD
022 B000005 23-2471394
022 C000005 55760
022 D000005 45200
022 A000006 NJ INSURED LONG TERM PORTFOLIO
022 B000006 23-2488282
022 C000006 58600
022 D000006 39700
022 A000007 NJ MONEY MARKET PORTFOLIO
022 B000007 23-2449299
022 C000007 39700
022 D000007 58600
022 A000008 HIGH YIELD PORTFOLIO/VANGUARD MUNI BOND FD
<PAGE> PAGE 3
022 B000008 23-2473415
022 C000008 50500
022 D000008 42300
022 A000009 PAINE WEBBER INC.
022 B000009 13-2638166
022 C000009 59092
022 D000009 16085
022 A000010 J.P. MORGAN SECURITIES INC.
022 B000010 13-3224016
022 C000010 71445
022 D000010 1000
023 C000000 1631241
023 D000000 568851
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
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
086 A010000 0
086 A020000 0
086 B010000 0
086 B020000 0
086 C010000 0
<PAGE> PAGE 5
086 C020000 0
086 D010000 0
086 D020000 0
086 E010000 0
086 E020000 0
086 F010000 0
086 F020000 0
028 A010100 26915
028 A020100 3873
028 A030100 0
028 A040100 9632
028 B010100 22664
028 B020100 3192
028 B030100 0
028 B040100 16059
028 C010100 19729
028 C020100 2927
028 C030100 0
028 C040100 9233
028 D010100 24724
028 D020100 3256
028 D030100 0
028 D040100 15847
028 E010100 20418
028 E020100 3195
028 E030100 0
028 E040100 24998
028 F010100 20502
028 F020100 3281
028 F030100 0
028 F040100 14829
028 G010100 134952
028 G020100 19724
028 G030100 0
028 G040100 90598
028 H000100 0
055 A000100 N
055 B000100 N
056 000100 N
057 000100 N
062 A000100 Y
062 B000100 0.0
062 C000100 0.0
062 D000100 0.0
062 E000100 4.8
062 F000100 0.0
062 G000100 0.0
062 H000100 0.0
062 I000100 0.0
062 J000100 0.0
062 K000100 0.0
<PAGE> PAGE 6
062 L000100 0.0
062 M000100 0.0
062 N000100 0.0
062 O000100 95.6
062 P000100 0.0
062 Q000100 0.0
062 R000100 -0.4
063 A000100 0
063 B000100 9.5
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
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 162841
071 B000100 70601
071 C000100 935730
071 D000100 8
<PAGE> PAGE 7
072 A000100 6
072 B000100 26096
072 C000100 0
072 D000100 0
072 E000100 0
072 F000100 64
072 G000100 514
072 H000100 0
072 I000100 253
072 J000100 7
072 K000100 0
072 L000100 15
072 M000100 1
072 N000100 0
072 O000100 0
072 P000100 0
072 Q000100 0
072 R000100 4
072 S000100 0
072 T000100 124
072 U000100 0
072 V000100 2
072 W000100 0
072 X000100 984
072 Y000100 7
072 Z000100 25119
072AA000100 1791
072BB000100 1754
072CC010100 11139
072CC020100 0
072DD010100 25119
072DD020100 0
072EE000100 888
073 A010100 0.3010
073 A020100 0.0000
073 B000100 0.0110
073 C000100 0.0000
074 A000100 79
074 B000100 0
074 C000100 48402
074 D000100 970139
074 E000100 0
074 F000100 0
074 G000100 0
074 H000100 0
074 I000100 56
074 J000100 0
074 K000100 0
074 L000100 21353
074 M000100 0
074 N000100 1040029
<PAGE> PAGE 8
074 O000100 22675
074 P000100 414
074 Q000100 0
074 R010100 0
074 R020100 0
074 R030100 0
074 R040100 2309
074 S000100 0
074 T000100 1014631
074 U010100 85658
074 U020100 0
074 V010100 11.85
074 V020100 0.00
074 W000100 0.0000
074 X000100 15762
074 Y000100 0
075 A000100 0
075 B000100 986045
076 000100 0.00
028 A010200 94974
028 A020200 2868
028 A030200 0
028 A040200 75669
028 B010200 114666
028 B020200 2698
028 B030200 0
028 B040200 95247
028 C010200 89071
028 C020200 2330
028 C030200 0
028 C040200 68670
028 D010200 94250
028 D020200 2663
028 D030200 0
028 D040200 75737
028 E010200 84702
028 E020200 2907
028 E030200 0
028 E040200 127223
028 F010200 77333
028 F020200 2993
028 F030200 0
028 F040200 56400
028 G010200 554996
028 G020200 16459
028 G030200 0
028 G040200 498946
028 H000200 0
055 A000200 N
055 B000200 N
056 000200 N
<PAGE> PAGE 9
057 000200 N
062 A000200 Y
062 B000200 0.0
062 C000200 0.0
062 D000200 0.0
062 E000200 99.1
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 0.9
063 A000200 59
063 B000200 0.0
064 A000200 Y
064 B000200 N
071 A000200 0
071 B000200 0
071 C000200 0
071 D000200 0
072 A000200 6
072 B000200 18323
072 C000200 0
072 D000200 0
072 E000200 0
072 F000200 69
072 G000200 508
072 H000200 0
072 I000200 313
072 J000200 9
072 K000200 0
072 L000200 15
072 M000200 1
072 N000200 0
072 O000200 0
072 P000200 0
072 Q000200 0
072 R000200 4
072 S000200 0
072 T000200 190
072 U000200 0
072 V000200 2
072 W000200 0
072 X000200 1111
<PAGE> PAGE 10
072 Y000200 9
072 Z000200 17221
072AA000200 0
072BB000200 0
072CC010200 0
072CC020200 0
072DD010200 17221
072DD020200 0
072EE000200 0
073 A010200 0.0160
073 A020200 0.0000
073 B000200 0.0000
073 C000200 0.0000
074 A000200 6
074 B000200 0
074 C000200 1079539
074 D000200 0
074 E000200 0
074 F000200 0
074 G000200 0
074 H000200 0
074 I000200 60
074 J000200 0
074 K000200 0
074 L000200 13870
074 M000200 0
074 N000200 1093475
074 O000200 0
074 P000200 473
074 Q000200 0
074 R010200 0
074 R020200 0
074 R030200 0
074 R040200 4206
074 S000200 0
074 T000200 1088796
074 U010200 1088811
074 U020200 0
074 V010200 1.00
074 V020200 0.00
074 W000200 0.9998
074 X000200 15015
074 Y000200 0
075 A000200 1069871
075 B000200 0
076 000200 0.00
SIGNATURE GARY P. SOURA
TITLE MANAGER
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000821404
<NAME> VANGUARD NEW JERSEY TAX FREE FUND
<SERIES>
<NUMBER> 01
<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> 944201
<INVESTMENTS-AT-VALUE> 1018541
<RECEIVABLES> 21353
<ASSETS-OTHER> 135
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 1040029
<PAYABLE-FOR-SECURITIES> 22675
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 2723
<TOTAL-LIABILITIES> 25398
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 942439
<SHARES-COMMON-STOCK> 85658
<SHARES-COMMON-PRIOR> 80245
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 0
<OVERDISTRIBUTION-GAINS> 2148
<ACCUM-APPREC-OR-DEPREC> 74340
<NET-ASSETS> 1014631
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 26096
<OTHER-INCOME> 0
<EXPENSES-NET> 977
<NET-INVESTMENT-INCOME> 25119
<REALIZED-GAINS-CURRENT> 37
<APPREC-INCREASE-CURRENT> 11139
<NET-CHANGE-FROM-OPS> 36295
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 25119
<DISTRIBUTIONS-OF-GAINS> 888
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 11412
<NUMBER-OF-SHARES-REDEEMED> 7667
<SHARES-REINVESTED> 1668
<NET-CHANGE-IN-ASSETS> 74366
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 0
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 1297
<GROSS-ADVISORY-FEES> 64
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 984
<AVERAGE-NET-ASSETS> 986045
<PER-SHARE-NAV-BEGIN> 11.72
<PER-SHARE-NII> 0.301
<PER-SHARE-GAIN-APPREC> 0.141
<PER-SHARE-DIVIDEND> 0.301
<PER-SHARE-DISTRIBUTIONS> 0.011
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 11.85
<EXPENSE-RATIO> 0.20
<AVG-DEBT-OUTSTANDING> 0
<AVG-DEBT-PER-SHARE> 0
</TABLE>
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000821404
<NAME> VANGUARD NEW JERSEY TAX FREE FUND
<SERIES>
<NUMBER> 02
<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> 1079539
<INVESTMENTS-AT-VALUE> 1079539
<RECEIVABLES> 13870
<ASSETS-OTHER> 66
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 1093475
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 4679
<TOTAL-LIABILITIES> 4679
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 1088826
<SHARES-COMMON-STOCK> 1088811
<SHARES-COMMON-PRIOR> 1016301
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (30)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 1088796
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 18323
<OTHER-INCOME> 0
<EXPENSES-NET> 1102
<NET-INVESTMENT-INCOME> 17221
<REALIZED-GAINS-CURRENT> 0
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 17221
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 17221
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 554996
<NUMBER-OF-SHARES-REDEEMED> 498946
<SHARES-REINVESTED> 16459
<NET-CHANGE-IN-ASSETS> 72509
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (30)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 69
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1111
<AVERAGE-NET-ASSETS> 1069871
<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>
