<PAGE> PAGE 1
000 A000000 05/31/99
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 FUNDS
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 VANGUARD NJ INSURED LONG-TERM TAX-EXEMPT FUND
007 C030100 N
007 C010200 2
007 C020200 VANGUARD NJ 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 19106
015 E01AA01 X
018 00AA00 Y
019 A00AA00 Y
019 B00AA00 102
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 413065
022 D000001 29100
022 A000002 J.P. MORGAN SECURITIES INC.
022 B000002 13-3224016
022 C000002 185000
022 D000002 19800
022 A000003 LEHMAN BROTHERS INC.
022 B000003 13-2518466
022 C000003 140988
022 D000003 43398
022 A000004 VANGUARD INTERMEDIATE-TERM TAX-EXEMPT FUND
022 B000004 23-2471389
022 C000004 75003
022 D000004 72990
022 A000005 SMITH BARNEY INC.
022 B000005 13-1912900
022 C000005 77840
022 D000005 61600
022 A000006 VANGUARD NJ TAX-EXEMPT MONEY MARKET FUND
022 B000006 23-2449299
022 C000006 51400
022 D000006 83051
022 A000007 VANGUARD NJ INSURED LONG-TERM TAX-EXEMPT FUND
022 B000007 23-2488282
022 C000007 87251
022 D000007 46200
022 A000008 MERRILL LYNCH, PIERCE, FENNER & SMITH INC.
<PAGE> PAGE 3
022 B000008 13-5674085
022 C000008 84643
022 D000008 9075
022 A000009 COMMERCE CAPITAL MARKETS, INC.
022 B000009 23-2177819
022 C000009 77268
022 D000009 0
022 A000010 PAINEWEBBER INC.
022 B000010 13-2638166
022 C000010 38358
022 D000010 35891
023 C000000 1647976
023 D000000 613855
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
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 350000
081 A00AA00 Y
081 B00AA00 180
082 A00AA00 N
082 B00AA00 0
083 A00AA00 N
083 B00AA00 0
084 A00AA00 N
<PAGE> PAGE 5
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 22378
028 A020100 7660
028 A030100 0
028 A040100 13201
028 B010100 32203
028 B020100 3634
028 B030100 0
028 B040100 18948
028 C010100 30182
028 C020100 3292
028 C030100 0
028 C040100 13477
028 D010100 38914
028 D020100 3706
028 D030100 0
028 D040100 22085
028 E010100 29348
028 E020100 3630
028 E030100 0
028 E040100 19209
028 F010100 24568
028 F020100 3814
028 F030100 0
028 F040100 18803
028 G010100 177593
028 G020100 25736
028 G030100 0
028 G040100 105723
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
<PAGE> PAGE 6
062 D000100 0.0
062 E000100 3.9
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 96.8
062 P000100 0.0
062 Q000100 0.0
062 R000100 -0.7
063 A000100 0
063 B000100 10.3
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 Y
070 P020100 Y
<PAGE> PAGE 7
070 Q010100 N
070 Q020100 N
070 R010100 N
070 R020100 N
071 A000100 128540
071 B000100 75510
071 C000100 1110692
071 D000100 7
072 A000100 6
072 B000100 29695
072 C000100 0
072 D000100 0
072 E000100 0
072 F000100 68
072 G000100 645
072 H000100 0
072 I000100 346
072 J000100 6
072 K000100 0
072 L000100 8
072 M000100 1
072 N000100 0
072 O000100 0
072 P000100 0
072 Q000100 0
072 R000100 4
072 S000100 0
072 T000100 108
072 U000100 0
072 V000100 0
072 W000100 0
072 X000100 1186
072 Y000100 33
072 Z000100 28542
072AA000100 5481
072BB000100 1772
072CC010100 0
072CC020100 21392
072DD010100 28542
072DD020100 0
072EE000100 4852
073 A010100 0.2940
073 A020100 0.0000
073 B000100 0.0520
073 C000100 0.0000
074 A000100 62
074 B000100 0
074 C000100 46699
074 D000100 1148929
074 E000100 0
074 F000100 0
<PAGE> PAGE 8
074 G000100 0
074 H000100 0
074 I000100 182
074 J000100 9680
074 K000100 0
074 L000100 22459
074 M000100 0
074 N000100 1228011
074 O000100 37560
074 P000100 487
074 Q000100 0
074 R010100 0
074 R020100 0
074 R030100 0
074 R040100 3027
074 S000100 0
074 T000100 1186937
074 U010100 100953
074 U020100 0
074 V010100 11.76
074 V020100 0.00
074 W000100 0.0000
074 X000100 16378
074 Y000100 2408
075 A000100 0
075 B000100 1157444
076 000100 0.00
028 A010200 96334
028 A020200 2790
028 A030200 0
028 A040200 94179
028 B010200 111883
028 B020200 2644
028 B030200 0
028 B040200 105525
028 C010200 99472
028 C020200 2131
028 C030200 0
028 C040200 75371
028 D010200 101855
028 D020200 2596
028 D030200 0
028 D040200 80122
028 E010200 90431
028 E020200 2616
028 E030200 0
028 E040200 154440
028 F010200 122773
028 F020200 2945
028 F030200 0
028 F040200 77604
<PAGE> PAGE 9
028 G010200 622748
028 G020200 15722
028 G030200 0
028 G040200 587241
028 H000200 0
055 A000200 N
055 B000200 N
056 000200 N
057 000200 N
062 A000200 Y
062 B000200 0.0
062 C000200 0.0
062 D000200 0.0
062 E000200 97.9
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 1.6
062 P000200 0.0
062 Q000200 0.0
062 R000200 0.5
063 A000200 57
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 Y
070 J020200 Y
<PAGE> PAGE 10
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 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 6
072 B000200 17702
072 C000200 0
072 D000200 0
072 E000200 0
072 F000200 72
072 G000200 536
072 H000200 0
072 I000200 431
072 J000200 8
072 K000200 0
072 L000200 8
072 M000200 1
072 N000200 0
072 O000200 0
072 P000200 0
072 Q000200 0
072 R000200 4
072 S000200 0
072 T000200 160
072 U000200 0
072 V000200 0
072 W000200 0
072 X000200 1220
072 Y000200 8
072 Z000200 16490
072AA000200 18
072BB000200 2
072CC010200 0
072CC020200 0
072DD010200 16490
<PAGE> PAGE 11
072DD020200 0
072EE000200 0
073 A010200 0.0140
073 A020200 0.0000
073 B000200 0.0000
073 C000200 0.0000
074 A000200 0
074 B000200 0
074 C000200 1204639
074 D000200 19666
074 E000200 0
074 F000200 0
074 G000200 0
074 H000200 0
074 I000200 182
074 J000200 500
074 K000200 0
074 L000200 13328
074 M000200 0
074 N000200 1238315
074 O000200 0
074 P000200 515
074 Q000200 0
074 R010200 0
074 R020200 0
074 R030200 0
074 R040200 7284
074 S000200 0
074 T000200 1230516
074 U010200 1230514
074 U020200 0
074 V010200 1.00
074 V020200 0.00
074 W000200 0.9997
074 X000200 15249
074 Y000200 0
075 A000200 1205972
075 B000200 0
076 000200 0.00
SIGNATURE GARY P. SOURA
TITLE MANAGER
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000821404
<NAME> VANGUARD NEW JERSEY TAX-FREE FUNDS
<SERIES>
<NUMBER> 01
<NAME> VANGUARD NEW JERSEY INSURED LONG-TERM TAX-EXEMPT FUND
<MULTIPLIER> 1000
<CURRENCY> US
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> NOV-30-1999
<PERIOD-START> DEC-01-1998
<PERIOD-END> MAY-31-1999
<EXCHANGE-RATE> 1
<INVESTMENTS-AT-COST> 1134579
<INVESTMENTS-AT-VALUE> 1195628
<RECEIVABLES> 32139
<ASSETS-OTHER> 244
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 1228011
<PAYABLE-FOR-SECURITIES> 37560
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 3514
<TOTAL-LIABILITIES> 41074
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 1124863
<SHARES-COMMON-STOCK> 100953
<SHARES-COMMON-PRIOR> 92774
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> 676
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 61398
<NET-ASSETS> 1186937
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 29695
<OTHER-INCOME> 0
<EXPENSES-NET> 1153
<NET-INVESTMENT-INCOME> 28542
<REALIZED-GAINS-CURRENT> 3709
<APPREC-INCREASE-CURRENT> (21392)
<NET-CHANGE-FROM-OPS> 10859
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 28542
<DISTRIBUTIONS-OF-GAINS> 4852
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 14889
<NUMBER-OF-SHARES-REDEEMED> 8870
<SHARES-REINVESTED> 2161
<NET-CHANGE-IN-ASSETS> 75071
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> 1819
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 68
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1186
<AVERAGE-NET-ASSETS> 1157444
<PER-SHARE-NAV-BEGIN> 11.98
<PER-SHARE-NII> 0.294
<PER-SHARE-GAIN-APPREC> (0.168)
<PER-SHARE-DIVIDEND> 0.294
<PER-SHARE-DISTRIBUTIONS> 0.052
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 11.76
<EXPENSE-RATIO> 0.21
[AVG-DEBT-OUTSTANDING] 0
[AVG-DEBT-PER-SHARE] 0
</TABLE>
WARNING: THE EDGAR SYSTEM ENCOUNTERED ERROR(S) WHILE PROCESSING THIS SCHEDULE.
<TABLE> <S> <C>
<ARTICLE> 6
<CIK> 0000821404
<NAME> VANGUARD NEW JERSEY TAX-FREE FUNDS
<SERIES>
<NUMBER> 02
<NAME> VANGUARD NEW JERSEY TAX-EXEMPT MONEY MARKET FUND
<MULTIPLIER> 1000
<CURRENCY> US
<S> <C>
<PERIOD-TYPE> 6-MOS
<FISCAL-YEAR-END> NOV-30-1999
<PERIOD-START> DEC-01-1998
<PERIOD-END> MAY-31-1999
<EXCHANGE-RATE> 1
<INVESTMENTS-AT-COST> 1224305
<INVESTMENTS-AT-VALUE> 1224305
<RECEIVABLES> 13828
<ASSETS-OTHER> 182
<OTHER-ITEMS-ASSETS> 0
<TOTAL-ASSETS> 1238315
<PAYABLE-FOR-SECURITIES> 0
<SENIOR-LONG-TERM-DEBT> 0
<OTHER-ITEMS-LIABILITIES> 7799
<TOTAL-LIABILITIES> 7799
<SENIOR-EQUITY> 0
<PAID-IN-CAPITAL-COMMON> 1230530
<SHARES-COMMON-STOCK> 1230514
<SHARES-COMMON-PRIOR> 1179286
<ACCUMULATED-NII-CURRENT> 0
<OVERDISTRIBUTION-NII> 0
<ACCUMULATED-NET-GAINS> (14)
<OVERDISTRIBUTION-GAINS> 0
<ACCUM-APPREC-OR-DEPREC> 0
<NET-ASSETS> 1230516
<DIVIDEND-INCOME> 0
<INTEREST-INCOME> 17702
<OTHER-INCOME> 0
<EXPENSES-NET> 1212
<NET-INVESTMENT-INCOME> 16490
<REALIZED-GAINS-CURRENT> 16
<APPREC-INCREASE-CURRENT> 0
<NET-CHANGE-FROM-OPS> 16506
<EQUALIZATION> 0
<DISTRIBUTIONS-OF-INCOME> 16490
<DISTRIBUTIONS-OF-GAINS> 0
<DISTRIBUTIONS-OTHER> 0
<NUMBER-OF-SHARES-SOLD> 622748
<NUMBER-OF-SHARES-REDEEMED> 587241
<SHARES-REINVESTED> 15722
<NET-CHANGE-IN-ASSETS> 51245
<ACCUMULATED-NII-PRIOR> 0
<ACCUMULATED-GAINS-PRIOR> (30)
<OVERDISTRIB-NII-PRIOR> 0
<OVERDIST-NET-GAINS-PRIOR> 0
<GROSS-ADVISORY-FEES> 72
<INTEREST-EXPENSE> 0
<GROSS-EXPENSE> 1220
<AVERAGE-NET-ASSETS> 1205972
<PER-SHARE-NAV-BEGIN> 1.00
<PER-SHARE-NII> 0.014
<PER-SHARE-GAIN-APPREC> 0
<PER-SHARE-DIVIDEND> 0.014
<PER-SHARE-DISTRIBUTIONS> 0
<RETURNS-OF-CAPITAL> 0
<PER-SHARE-NAV-END> 1.00
<EXPENSE-RATIO> 0.20
[AVG-DEBT-OUTSTANDING] 0
[AVG-DEBT-PER-SHARE] 0
</TABLE>
