maybe you're just a bit bored in your current relationship and you're (on some level) imagining what it would be like to be with someone else. If the main person you're socialising with is your husband then you are perhaps using this expeience to shape the way you dream about others; maybe somehow you've subconsciously begining to think of having sex is something that happens periodically around men.
I'm by no means saying that's what you think, its just sometimes mentally we develop these associations and they tend to come out when we dream, its important to realise there's a huge difference between sexual fantasys we have whilst awake and the things we dream.
Don't feel guilty or read to much into it, we can learn allot about ourselves from analysing dreams but there will always be room for different interpretations, to me it sounds like maybe sex has become a triviality in you relationship and you need to work on becoming more emotionally engaged with one another; these kind of dreams might suggest that sex with your husband is an almost anonymous affair.
also the fact he shares similarity's with your husband (married, kids, presumably similar house) is interesting, it suggests that you unlikely to be looking for another man but perhaps longing for some kind of change in your current relationship.
