It looks like you're shaving your testicles. I would stop doing that until you get that cleared up. When you see your dermatologist, ask about Hailey-Hailey disease, which is a rare genetic condition. I have it and it took a very long time before I was diagnosed.
That could be eczema, psoriasis, dermatitis, a fungal infection, allergic reaction, really dry skin - they all present very similarly, and you'll need a doctor to tell you which one it is. Don't try to self-treat, because if you use the wrong meds, it could make it worse.
Any urgent care doctor should be able to help if you can't get into your own. If it's a matter of cost or lack of insurance, call your local health department and ask what services they provide for people with your financial status.
Let us know what happens. Don't put it off - it may only get worse.