Usually, I would consider the dry-mass the mass of a vehicle without any consumables, passengers, or cargo.
This NASA article however describes the Apollo 11 Eagle as:
The lunar module was a two-stage vehicle designed for space operations near and on the Moon. The spacecraft mass of 15,065 kg was the mass of the LM including astronauts, propellants and expendables. The dry mass of the ascent stage was 2180 kg and it held 2639 kg of propellant. The descent stage dry mass was 2034 kg and 8212 kg of propellant were onboard initially.
Here, dry-mass seems to include crew and expendables (since the dry-mass + propellant = total mass). Which makes me wonder: When I read Spacecraft X has a dry-mass of Y, do I consider that including cargo, crew and expendables or not?