A Software Communications Architecture (SCA)-based software-defined radio (SDR) terminal and a reconfiguration method thereof are provided. The SDR terminal includes a software module including first and second hardware modules that are programmable and a memory storing at least one wireless access application; and a software module including a reconfiguration core framework that perform a service mode switch using the wireless access application, wherein, if a service mode switch from a first service mode to a second service mode occurs, the SDR terminal installs a wireless access application corresponding to the second service mode in one of the first and second hardware modules.