UPDATE Sept. 28th: For a current, up-to-date list of free or inexpensive options for mesh avatar heads and bodies for female Second Life avatars, please see this blogpost. For a current, up-to-date list of free options for free and inexpensive male mesh avatar heads and bodies, please see this blogpost.
Altamura often has special deals for mesh avatar heads and bodies at various Second Life shopping events, and the current round of the eBento event is no exception. This time, Altamura is offering the same great deal for both male and female avatars: a Bento mesh head for only L$350, and a Bento mesh body for only L$500!
These items are all Omega compatible, so you can use Omega skin appliers with them. I have found that the Altamura female mesh bodies work very well with clothing designed for Maitreya Lara mesh bodies, so clothing should not be a problem.
You do have to join the Altamura Design/Mesh Avatars group for L$50 in order to get these bargains. I would suggest that you join the group and stay subscribed, because Altamura offers these sorts of deals regularly.