Ugh, that sounds miserable. That's going to definitely put a damper on things . . . who wants to hurt there during sex? Do you have any discharge?
There are some conditions that can affect the moistness of the area, and/ or the flexibility of the skin. I'm thinking lichen sclerosus, genital warts, hormonal shifts (lack of estrogen can certainly affect moisture in the area, because it affects blood flow to the area), maybe even allergies. If your partner has one of the conditions that makes skin on the penis rough, that can do it as well. See your ob/gyn and get an exam, to determine if there is anything obvious going on. If not, get some hormone tests if they seem appropriate. Also, get some good-quality lube and use it. There is no reason to be having sex when you are not moist enough.